Mercer County property record for 195 County 13, Zap, ND 58580
| Property Type | Single Family Home |
|---|---|
| Lot Size | 12.2 acres (533,610 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $407,500 (Jan 2019) |
| Tax Bill | $2,528 (2025) |
| Deeds & Mortgages | Sep 2019 Refinance Jan 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27145880007801 |
| Primary APN | 27145880007801 |
|---|
| Lot Area | 533,610 sqft (12.2 acres) |
|---|---|
| Lot Dimensions | 970 ft deep x 550 ft wide |
| Street Address | 195 COUNTY ROAD 13 |
|---|---|
| City | ZAP |
| State | ND |
| Zip | 58580 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 550X970 IN SE4SE4 |
| Jurisdiction | MERCER ND |
| Township / Civil Division | WEST MERCER |
| Census Block Group | 1 |
| Census Block | 1080 |
| Census Tract | 961800 |
195 County 13 is owned by two individuals who bought it in January 2019.
Source: Mercer County records, as of October 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 195 COUNTY 13, ZAP, ND 58580 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance UNION BANK |
| Jan 10, 2019 | Deed of Trust, Mortgage · Stand-Alone First Mortgage UNION BANK |
| Jan 10, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage UNION BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2019 · Amount on File |
| Deed Sale | Jan 10, 2019 · Amount on File |
| Prior Sale | Oct 16, 2006 · Amount on File |
| Deed Document Number | 2019217176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER ND |
| Property Address | 195 COUNTY 13, ZAP, ND 58580-9615 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000285/591 |
|---|---|
| Date | Sep 11, 2019 |
| Book Page | 285/591 |
| Instrument | 218410 |
| Name | UNION BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER ND |
| Property Address | 195 COUNTY 13, ZAP, ND 58580-9615 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000217178 |
|---|---|
| Date | Jan 10, 2019 |
| Instrument | 217178 |
| Name | UNION BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MERCER ND |
| Recording Date | Jan 10, 2019 |
| Property Address | 195 COUNTY 13, ZAP, ND 58580-9615 |
| Document Number | 0000217176 |
| Instrument Date | Jan 7, 2019 |
| Instrument | 217176 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 31201 COUNTY ROAD 2X, HUGO, CO 80821-9607 |
| Document Number | 0000217177 |
|---|---|
| Date | Jan 10, 2019 |
| Instrument | 217177 |
| Name | UNION BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 195 County 13 was $2,528, down 24.7% from the year before.
Source: Mercer County assessment roll, as of October 15, 2026
| Type | Name |
|---|---|
| State | North Dakota |
| County | Mercer County |
| Unified School District | Beulah Public School District 27 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $191,670 (-14.3%) Land $30,750 Building $160,920 | $383,340 (-14.3%) Land $61,500 Building $321,840 | |
| 2025 | $2,528.00 (-24.69%) | $223,650 Land $14,100 Building $209,550 | $447,300 Land $28,200 Building $419,100 |
| 2024 | $3,357.00 | ||
| 2023 | $205,800 Land $13,800 Building $192,000 | $411,600 Land $27,600 Building $384,000 |
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.
FEMA maps place 195 County 13 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.
Source: FEMA National Flood Hazard Layer, effective March 10, 2025 · 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 | 4 in force |
| Nearby Flood Claims | 2 (2009–2011) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 2011 · Flooding |
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 risk around 195 County 13 is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 68% of North Dakota |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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