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

Cass County property record for 233 Oxbow Cir, Oxbow, ND 58047

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,164 sqft · built 1988
Lot Size	0.65 acres (28,135 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Oct 2017)
Tax Bill	$4,467 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`78-0010-00120-000`

Property Details

APN / Parcel Number

Primary APN	`78-0010-00120-000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,164 sqft Living Area
Basement Area	1,075 sqft
Finished Basement	1,075 sqft
Unfinished Basement	1,075 sqft
Sunroom	Sunroom
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,135 sqft (0.65 acres)
Garage Type	Attached
Garage Area	936 sqft
Porch	Slab
Patio Area	456 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	233 OXBOW CIR
City	OXBOW
State	ND
Zip	58047-5007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 12 BLOCK: 0 ADDITION: OXBOW COUNTRY CLUB & ESTATES ADDITIONAL: OXBOW COUNTRY CLUB & ESTATES LOT 12 & PT LOT 13 LYING NWLY OF LN DESC AS: BEG PT ON SWLY LN LOT 13 LYING 40' SELY OF NW COR LOT 13 AS MEAS ALG SWLY LN LOT 13 THN NELY TO PT ON NELY L
Legal Subdivision	COUNTRY CLUB
Legal Lot Number	12-13
Jurisdiction	CASS ND
Township / Civil Division	OXBOW
Census Block Group	2
Census Block	2059
Census Tract	40600

Owner

Source: Cass County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	233 OXBOW CIR, OXBOW, ND 58047-5007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FEDERAL CREDIT UNION
Jul 13, 2022	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 7, 2017	Deed of Trust, Mortgage · Commercial Mortgage WESTERN STATE BANK
Oct 27, 2017	Warranty Deed, Transfer · Conventional Mortgage WESTERN STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2017 · Amount on Record
Deed Sale	Oct 27, 2017 · Amount on Record
Prior Sale	Dec 31, 2008 · Amount on Record
Deed Document Number	20171524045
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Recording Date	Apr 30, 2026
Property Address	233 OXBOW CIR, OXBOW, ND 58047-5007
Document Number	0001757349
Instrument Date	Apr 17, 2026
Instrument	20261757349
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 OXBOW CIR, OXBOW, ND 58047-5007

Mortgage

Document Number	0001757349,
Date	Apr 30, 2026
Instrument	20261757349

Lender

Name	AFFINITY PLUS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 20, 2036

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	233 OXBOW CIR, OXBOW, ND 58047-5007
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001670455
Date	Jul 13, 2022
Instrument	1670455

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	FARGO, ND 58104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jun 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	233 OXBOW CIR, OXBOW, ND 58047-5007
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	FM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001588136
Date	Apr 22, 2020
Instrument	1588136

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	233 OXBOW CIR, OXBOW, ND 58047-5007
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001527094
Date	Dec 7, 2017
Instrument	1527094

Lender

Name	WESTERN STATE BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Oct 27, 2017
Property Address	233 OXBOW CIR, OXBOW, ND 58047-5007
Document Number	0001524045
Instrument Date	Oct 9, 2017
Instrument	1524045
Transaction Type	Transfer
Record Updated	Mar 22, 2022

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	233 OXBOW CIR, OXBOW, ND 58047-5007

Mortgage

Document Number	0001524046
Date	Oct 27, 2017
Instrument	1524046

Lender

Name	WESTERN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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	$4,467.00 (-17.6%)	$258,300 (+8.05%) Land $34,900 Building $223,400	$516,600 (+8.05%) Land $69,800 Building $446,800
2023	$5,421.00	$239,050 Land $23,250 Building $215,800	$478,100 Land $46,500 Building $431,600

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 500 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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