10120 Concord Dr, Horace, ND 58047 Property Records

Cass County property record for 10120 Concord Dr, Horace, ND 58047

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,731 sqft · built 2022
Lot Size	0.241 acres (10,498 sqft)
Owner	2 Individual Names on File
Last Sale	$44,835 (Nov 2023)
Tax Bill	$8,946 (2025)
Deeds & Mortgages	Dec 2022 Construction Loan Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-1110-00740-000`

Property Details

APN / Parcel Number

Primary APN	`15-1110-00740-000`

Interior

Bedrooms	3 Beds
Total Rooms	5 Rooms
Building Area	1,731 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Lot Area	10,498 sqft
Garage Type	Attached
Garage Area	720 sqft

Location & Zoning

Street Address	10120 CONCORD DR
City	HORACE
State	ND
Zip	58047-9011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 21 BLOCK: 3 ADDITION: MAPLE LAKE ESTATES ADDITION ADDITIONAL: MAPLE LAKE ESTATES ADDN LT 21 BLK 3 **PLATTED FRM
Legal Subdivision	MAPLE LAKES ESTATES ADDITION
Legal Block	3
Legal Lot Number	21
Jurisdiction	CASS ND
Township / Civil Division	HORACE
Census Block Group	2
Census Block	2029
Census Tract	40503

Owner

10120 Concord Dr is owned and occupied by two individuals who bought it in November 2023.

Source: Cass County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10120 CONCORD DR, HORACE, ND 58047-9011
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2022	Deed of Trust, Mortgage · Construction Mortgage BELL BANK
Nov 6, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage VALLEY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2023 · Amount on File
Deed Sale	Nov 6, 2023 · Amount on File
Deed Document Number	20231700966
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	10120 CONCORD DR, HORACE, ND 58047-9011
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001682089
Date	Dec 23, 2022
Instrument	1682089

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58106

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 16, 2023

Interest

Rate Type	Adjustable Rate

November 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Nov 6, 2023
Property Address	10120 CONCORD DR, HORACE, ND 58047-9011
Document Number	0001700966
Instrument Date	Oct 27, 2023
Instrument	1700966
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 13, 2026
Title Company	FM TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10120 CONCORD DR, HORACE, ND 58047-9011

Mortgage

Document Number	0001700967
Date	Nov 6, 2023
Instrument	1700967

Lender

Name	VALLEY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 10120 Concord Dr was $8,946.

Source: Cass County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	North Dakota
County	Cass County
Municipality	Horace City
Unified School District	West Fargo Public School District 6 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,946.00	$168,550 Land $35,700 Building $132,850	$337,100 Land $71,400 Building $265,700
2023	$9,126.00 (+93.55%)	$201,100 (+1,049.14%) Land $35,700 Building $165,400	$402,200 (+1,049.14%) Land $71,400 Building $330,800
2022	$4,715.00	$17,500 Land $17,500	$35,000 Land $35,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10120 Concord Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 28 policies
Nearby Flood Policies	28 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10120 Concord Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 47% of North Dakota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CASS RURAL WATER DISTRICT FARGO private · serves 4,242 people · EPA ID ND0901483
Water Source	Purchased surface water from CITY OF FARGO
Last State Inspection	Oct 2024
Also Mapped Here	CASS RURAL WATER DISTRICT-PHASE I, CASS RURAL WATER DISTRICT-PHASE II, CASS RURAL WATER DISTRICT-PHASE III
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber · Cable in parts of the area	5,000 / 5,000
Dickey Rural Telephone Cooperative Fiber	2,500 / 2,500

May also be available: Sparklight, Verizon.

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