128 Main St, Saint Thomas, ND 58276 Property Records

Pembina County property record for 128 Main St, Saint Thomas, ND 58276

Property Summary

Property Type	Single Family Home
Lot Size	0.223 acres (9,746 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Apr 2025)
Tax Bill	$822 (2023)
Deeds & Mortgages	Aug 2015 Mortgage Apr 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-1590000`

Property Details

APN / Parcel Number

Primary APN	`34-1590000`

Exterior

Lot Area	9,746 sqft (0.223 acres)

Location & Zoning

Street Address	128 MAIN ST
City	SAINT THOMAS
State	ND
Zip	58276-4038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 15 - 17,BLK.25, O.T. CITY OF ST THOMAS
Legal Subdivision	CITY OF ST THOMAS
Legal Block	25
Legal Lot Number	15-17
Jurisdiction	PEMBINA ND
Township / Civil Division	ST. THOMAS
Census Block Group	1
Census Block	1345
Census Tract	950500

Owner

128 Main St is owned and occupied by an individual who bought it in April 2025.

Source: Pembina County records, as of April 10, 2026

Owner of Record	Individual Name on File
Mailing Address	128 MAIN ST, SAINT THOMAS, ND 58276-4038
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
Aug 25, 2015	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 28, 2025	Warranty Deed, Transfer · Conventional Mortgage ALERUS FINANCIAL NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2025 · Amount on File
Deed Sale	Apr 28, 2025 · Amount on File
Prior Sale	Aug 10, 2016
Deed Document Number	2025265369
Record Updated	Jun 8, 2026

August 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEMBINA ND
Property Address	128 MAIN ST, SAINT THOMAS, ND 58276-4038
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SOUTHWEST FINANCIAL, SOUTHWEST FINANCIAL SVCS LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000249352
Date	Aug 25, 2015
Instrument	249352

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 5, 2035

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PEMBINA ND
Recording Date	Apr 28, 2025
Property Address	128 MAIN ST, SAINT THOMAS, ND 58276-4038
Document Number	0000265369
Instrument Date	Apr 25, 2025
Instrument	265369
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	THE TITLE TEAM

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
Address	128 MAIN ST, SAINT THOMAS, ND 58276-4038

Mortgage

Document Number	0000265370
Date	Apr 28, 2025
Instrument	265370

Lender

Name	ALERUS FINANCIAL NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

Tax Assessment & Valuation

Source: Pembina County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	North Dakota
County	Pembina County
Municipality	St. Thomas City
Unified School District	Grafton Public School District 18 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$43,571 Land $2,236 Building $41,335	$87,143 Land $4,473 Building $82,670
2023	$822.00	$38,627 Land $2,151 Building $36,476	$77,254 Land $4,302 Building $72,952

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 128 Main St in Zone X, an area of minimal flood risk, though there have been 69 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective March 24, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	69 (1978–2019)
Claims Outside the SFHA	6 of 69
Most Recent Claim	Apr 2019 · Flooding
Claims by Event	Severe Storms And Flooding, Apr 2009 · 6 claims Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, Apr 1997 · 33 claims Severe Storms,flooding, & Ice Jams, May 1996 · 4 claims

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 128 Main St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.2% of North Dakota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF ST THOMAS serves 331 people · EPA ID ND3400856
Water Source	Purchased groundwater from NORTHEAST RWD- NORTH VALLEY BRANCH
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Polar Telecommunications Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Main St

Nearby Streets

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