Mercer County property record for 197 County 13, Zap, ND 58580
| Property Type | Single Family Home |
|---|---|
| Lot Size | 7.26 acres (316,246 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $936 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage Jun 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 27146890026205 |
| Primary APN | 27146890026205 |
|---|
| Lot Area | 316,246 sqft (7.26 acres) |
|---|
| Street Address | 197 COUNTY ROAD 13 |
|---|---|
| City | ZAP |
| State | ND |
| Zip | 58580 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7.26 A TRACT IN E2NE4 |
| Jurisdiction | MERCER ND |
| Township / Civil Division | WEST MERCER |
| Census Block Group | 1 |
| Census Block | 1084 |
| Census Tract | 961800 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 197 COUNTY ROAD 13, ZAP, ND 58580 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 4, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage UNION BANK |
| Jun 3, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance UNION BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER ND |
| Property Address | 197 COUNTY 13, ZAP, ND 58580-9615 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000270/557 |
|---|---|
| Date | Aug 4, 2017 |
| Book Page | 270/557 |
| Instrument | 214422 |
| Name | UNION BANK |
|---|---|
| Type | Bank |
| Address | BEULAH, ND 58523 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 15, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER ND |
| Property Address | 197 COUNTY 13, ZAP, ND 58580-9615 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000283/649 |
|---|---|
| Date | Jun 3, 2019 |
| Book Page | 283/649 |
| Instrument | 217901 |
| Name | UNION BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
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 | $287,785 (+109.45%) Land $24,390 Building $263,395 | $575,570 (+109.45%) Land $48,780 Building $526,790 | |
| 2025 | $936.00 (-50.11%) | $137,400 (+8.36%) Land $14,100 Building $123,300 | $274,800 (+8.36%) Land $28,200 Building $246,600 |
| 2024 | $1,876.00 | ||
| 2023 | $126,800 Land $13,800 Building $113,000 | $253,600 Land $27,600 Building $226,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 93% of North Dakota |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| West River Telecommunications Cooperative Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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