1908 23rd St S, Fargo, ND 58103 Property Records

Cass County property record for 1908 23rd St S, Fargo, ND 58103

Property Summary

Property Type	Single Family Home
Details	2,366 sqft · built 1977
Lot Size	0.272 acres (11,867 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Nov 2025)
Tax Bill	$3,368 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2025 Sale & Mortgage + 6 more
Flood Zone	Zone X (moderate risk)
APN	`01-2840-02030-000`

Property Details

APN / Parcel Number

Primary APN	`01-2840-02030-000`

Interior

Building Area	2,366 sqft Living Area
1st Floor Area	1,517 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Lot Area	11,867 sqft (0.272 acres)
Lot Dimensions	134 ft deep x 80 ft wide

Location & Zoning

Street Address	1908 23RD ST S
City	FARGO
State	ND
Zip	58103-4730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LOT: 20 BLOCK: 11 ADDITION: SOUTHVIEW VILLAGES ADDITIONAL: SOUTHVIEW VILLAGES LOT 20 BLK 11
Legal Subdivision	SOUTHVIEW VILLAGES
Legal Block	11
Legal Lot Number	20
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	3
Census Block	3005
Census Tract	904

Owner

1908 23rd St S is owned and occupied by two individuals who bought it in November 2025.

Source: Cass County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1908 23RD ST S, FARGO, ND 58103-4730
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
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERNATIONAL BANK & TRUST
Nov 3, 2025	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Jun 6, 2022	Correction Deed
Oct 28, 2022	Correction Deed
May 23, 2022	Affidavit of Death of Joint Tenant, Transfer
Feb 13, 2018	Deed of Trust, Mortgage · Line of Credit NORTH STAR COMMUNITY CU
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERNATIONAL BANK & TRUST
Apr 29, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST INTERNATIONAL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2025 · Amount on File
Deed Sale	Nov 3, 2025 · Amount on File
Prior Sale	Jun 6, 2022 · Amount on File
Deed Document Number	20251746241
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	1908 23RD ST S, FARGO, ND 58103-4730
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	NORTHERN TITLE COMPANY, NORTHERN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001636665
Date	Jun 23, 2021
Instrument	1636665

Lender

Name	FIRST INTERNATIONAL BANK & TRUST
Type	Bank
Address	MINOT, ND 58703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Nov 3, 2025
Property Address	1908 23RD ST S, FARGO, ND 58103-4730
Document Number	0001746241
Instrument Date	Oct 30, 2025
Instrument	1746241
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	THE TITLE SERVICES GROUP, THE TITLE COMPANY

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	1908 23RD ST S, FARGO, ND 58103-4730

Mortgage

Document Number	0001746242
Date	Nov 3, 2025
Instrument	1746242

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Max Rate	10.6%

June 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	CASS ND
Recording Date	Jun 6, 2022
Property Address	1908 23RD ST S, FARGO, ND 58103-4730
Document Number	0001667110
Instrument Date	May 26, 2022
Instrument	1667110
Record Updated	Apr 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 23RD ST S, FARGO, ND 58103-4730

October 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	CASS ND
Recording Date	Oct 28, 2022
Property Address	1908 23RD ST S, FARGO, ND 58103-4730
Document Number	0001678570
Instrument Date	May 26, 2022
Instrument	1678570
Record Updated	Apr 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 23RD ST S, FARGO, ND 58103-4730

May 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CASS ND
Recording Date	May 23, 2022
Property Address	1908 23RD ST S, FARGO, ND 58103-4730
Document Number	0001665927
Instrument Date	May 19, 2022
Instrument	1665927
Transaction Type	Transfer
Record Updated	Apr 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 23RD ST S, FARGO, ND 58103-4730

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	1908 23RD ST S, FARGO, ND 58103-4730
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001531285
Date	Feb 13, 2018
Instrument	1531285

Lender

Name	NORTH STAR COMMUNITY CU
Type	Credit Union
Address	MADDOCK, ND 58348

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Feb 25, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	1908 23RD ST S, FARGO, ND 58103-4730
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLAINS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001584423
Date	Mar 3, 2020
Instrument	1584423

Lender

Name	FIRST INTERNATIONAL BANK & TRUST
Type	Bank
Address	MINOT, ND 58703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Apr 29, 2019
Property Address	1908 23RD ST S, FARGO, ND 58103-4730
Document Number	0001560993
Instrument Date	Apr 26, 2019
Instrument	1560993
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	PLAINS TITLE LLC

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1908 23RD ST S, FARGO, ND 58103-4730

Mortgage

Document Number	0001560994
Date	Apr 29, 2019
Instrument	1560994

Lender

Name	FIRST INTERNATIONAL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1908 23rd St S was $3,368, down 24.6% from the year before.

Source: Cass County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	North Dakota
County	Cass County
Municipality	Fargo City
Unified School District	Fargo Public School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,368.00 (-24.55%)	$174,450 (-) Land $41,150 Building $133,300	$348,900 (-) Land $82,300 Building $266,600
2024	$4,464.00 (-0.29%)	$174,450 (+11.01%) Land $41,150 Building $133,300	$348,900 (+11.01%) Land $82,300 Building $266,600
2023	$4,477.00	$157,150 Land $41,150 Building $116,000	$314,300 Land $82,300 Building $232,000

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 1908 23rd St S in Zone X, an area of moderate flood risk, though there have been 4 flood claims nearby since 1997.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	4 (1997–2020)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Apr 2020 · Flooding
Claims by Event	Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, Apr 1997 · 2 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 1908 23rd St S 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 99.1% of the US · lower than 96% 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 FARGO serves 120,762 people · EPA ID ND0900336
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Bromate resolved · Jan 2018
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 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Fidium Fiber, Otter Tail Telecom, T-Mobile.

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