201 Oxbow Cir, Oxbow (Horace), ND 58047 Property Records

Cass County property record for 201 Oxbow Cir, Oxbow, ND 58047

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,407 sqft · built 1983
Lot Size	0.48 acres (20,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Oct 2019)
Tax Bill	$2,850 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Oct 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`78-0010-00040-000`

Property Details

APN / Parcel Number

Primary APN	`78-0010-00040-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,407 sqft Living Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Unfinished Basement	1,000 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,900 sqft (0.48 acres)
Garage Type	Attached
Garage Area	1,056 sqft
Porch	Slab
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	201 OXBOW CIR
City	OXBOW
State	ND
Zip	58047-5007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 4 BLOCK: 0 ADDITION: OXBOW COUNTRY CLUB & ESTATES ADDITIONAL: OXBOW COUNTRY CLUB & ESTATES LOT 4
Legal Subdivision	COUNTRY CLUB
Legal Lot Number	4
Jurisdiction	CASS ND
Township / Civil Division	OXBOW
Census Block Group	2
Census Block	2059
Census Tract	40600

Owner

Source: Cass County records, as of April 13, 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 Record
Mailing Address	201 OXBOW CIR, OXBOW, ND 58047-5007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2020	Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU
Oct 7, 2019	Warranty Deed, Transfer · Conventional Mortgage WINGS FINANCIAL CU
Oct 4, 2019	Deed of Trust, Mortgage WINGS FIN'L CU
Sep 11, 2019	Trustee's Deed, Construction Loan · Construction Mortgage BELL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2019 · Amount on Record
Deed Sale	Oct 7, 2019 · Amount on Record
Deed Document Number	20191573487
Prior Transfer Date	Nov 2, 2016
Prior Transfer Doc	0001494786
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	201 OXBOW CIR, OXBOW, ND 58047-5007
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001595959
Date	Jul 1, 2020
Instrument	1595959

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 30, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Oct 7, 2019
Property Address	201 OXBOW CIR, OXBOW, ND 58047-5007
Document Number	0001573487
Instrument Date	Oct 4, 2019
Instrument	1573487
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	TITLE CO

Transaction

Amount	Amount Recorded
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	201 OXBOW CIR, OXBOW, ND 58047-5007

Mortgage

Document Number	0001573488
Date	Oct 7, 2019
Instrument	1573488

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	201 OXBOW CIR, OXBOW, ND 58047-5007
Document Number	0001573488
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	TITLE COMPANY LLC, TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	201 OXBOW CIR OXBOW ND 580475007, OXBOW, ND 58047-5007

Mortgage

Document Number	0001573488
Date	Oct 7, 2019
Instrument	1573488

Lender

Name	WINGS FIN'L CU
Address	APPLE VALLEY, MN 55124

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2049

September 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CASS ND
Recording Date	Sep 11, 2019
Property Address	201 OXBOW CIR, OXBOW, ND 58047-5007
Instrument Date	Sep 5, 2019
Instrument	1571308
Transaction Type	Construction Loan
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	201 OXBOW CIR OXBOW ND 580475007, OXBOW, ND 58047-5007

Mortgage

Document Number	0001571308
Date	Sep 11, 2019
Instrument	1571308

Lender

Name	BELL BK
Address	MOORHEAD, MN 56560

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 10, 2020

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Dakota
County	Cass County
Municipality	Oxbow City
Unified School District	Kindred Public School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,850.00 (-24.36%)	$198,000 (+13.4%) Land $30,550 Building $167,450	$396,000 (+13.4%) Land $61,100 Building $334,900
2023	$3,768.00	$174,600 Land $20,400 Building $154,200	$349,200 Land $40,800 Building $308,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	195 (1978–2013)
Claims Outside the SFHA	42 of 195
Most Recent Claim	May 2013 · Flooding
Claims by Event	Flooding, May 2013 · 51 claims Severe Storms And Flooding, Jun 2009 · 68 claims Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, Apr 1997 · 48 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 87% 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	CASS RURAL WATER DISTRICT-PHASE I private · serves 3,658 people · EPA ID ND0901060
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fixed Wireless in parts of the area	1,250 / 250
Verizon Fixed Wireless	300 / 20

May also be available: MLGC.

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