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

Cass County property record for 204 Oxbow Cir, Oxbow, ND 58047

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 1,654 sqft · built 1978
Lot Size	0.79 acres (34,573 sqft)
Owner	Individual Name on File
Last Sale	$382,000 (Jun 2026)
Tax Bill	$3,978 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`78-0010-00180-020`

Property Details

APN / Parcel Number

Primary APN	`78-0010-00180-020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,654 sqft Living Area
Basement Area	1,100 sqft
Finished Basement	1,100 sqft
Unfinished Basement	1,100 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Condo/Apartment
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	34,573 sqft (0.79 acres)
Garage Type	Attached
Garage Area	528 sqft
Patio Area	272 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	204 OXBOW CIR
City	OXBOW
State	ND
Zip	58047-5006
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LOT: 18 BLOCK: 0 ADDITION: OXBOW COUNTRY CLUB & ESTATES ADDITIONAL: UNIT A-2 OXBOW CONDO OXBOW COUNTRY CLUB & ESTATES LOT 18 & W 1/2 LOT 19
Legal Subdivision	COUNTRY CLUB
Legal Lot Number	18-19
Legal Unit	A-2
Jurisdiction	CASS ND
Township / Civil Division	OXBOW
Census Block Group	2
Census Block	2066
Census Tract	40600

Owner

204 Oxbow Cir, a condominium, is owned and occupied by an individual who bought it in June 2026.

Source: Cass County records, as of August 25, 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 File
Mailing Address	204 OXBOW CIR, OXBOW, ND 58047-5006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Nov 30, 2020	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2026 · Amount on File
Deed Sale	Jun 1, 2026 · Amount on File
Prior Sale	Nov 30, 2020 · Amount on File
Deed Document Number	20261759459
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jun 1, 2026
Property Address	204 OXBOW CIR, OXBOW, ND 58047-5006
Document Number	0001759459
Instrument Date	May 29, 2026
Instrument	20261759459
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	NONE LISTED ON DOCUMENT

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	204 OXBOW CIR, OXBOW, ND 58047-5006

Mortgage

Document Number	0001759460,
Date	Jun 1, 2026
Instrument	20261759460

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Nov 30, 2020
Property Address	204 OXBOW CIR, OXBOW, ND 58047-5006
Document Number	0001614110
Map Reference	MB E-7 PG 178
Instrument Date	Nov 25, 2020
Instrument	1614110
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	THE TITLE CO RESIDENTIAL

Transaction

Amount	Amount 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	204 OXBOW CIR, OXBOW, ND 58047-5006

Mortgage

Document Number	0001614111
Date	Nov 30, 2020
Instrument	1614111

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 204 Oxbow Cir was $3,978.

Source: Cass County assessment roll, as of August 25, 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	$3,978.00	$177,000 Land $17,200 Building $159,800	$354,000 Land $34,400 Building $319,600
2023	$3,505.00	$162,400 Land $10,750 Building $151,650	$324,800 Land $21,500 Building $303,300

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 204 Oxbow Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 204 Oxbow Cir 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 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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