251 5th St, Gardner, ND 58036 Property Records

Cass County property record for 251 5th St, Gardner, ND 58036

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,075 sqft · built 2015
Lot Size	0.24 acres (10,656 sqft)
Owner	2 Individual Names on Record
Last Sale	$242,800 (Dec 2015)
Tax Bill	$585 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-0060-00080-000`

Property Details

APN / Parcel Number

Primary APN	`13-0060-00080-000`
Alternative APN	`13005000080000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,075 sqft Living Area
Basement Area	700 sqft
Finished Basement	700 sqft
Unfinished Basement	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,656 sqft (0.24 acres)
Garage Type	Attached
Garage Area	480 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	251 5TH ST
City	GARDNER
State	ND
Zip	58036-4017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 8 BLOCK: 1 ADDITION: GARDNER MANOR SECOND ADDITION ADDITIONAL: GARDNER MANOR 2ND ADDN LT 8 BLK 1
Legal Subdivision	SECOND
Legal Block	1
Legal Lot Number	8
Jurisdiction	CASS ND
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1081
Census Tract	40200

Owner

Source: Cass County records, as of April 13, 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	251 5TH ST, GARDNER, ND 58036-4017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK
Apr 26, 2019	Deed of Trust, Mortgage · ARM GATE CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2015 · Amount on Record
Deed Sale	Dec 15, 2015 · Amount on Record
Prior Sale	Sep 21, 2015
Deed Document Number	20151465899
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	251 5TH ST, GARDNER, ND 58036-4017
Transaction Type	Mortgage
Record Updated	Nov 11, 2025
Title Company	UNKNOWN, TITLE COMPANY RESIDENTIAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 5TH ST, GARDNER, ND 58036-4017

Mortgage

Document Number	0001745639
Date	Oct 24, 2025
Instrument	1745639

Lender

Name	GATE CITY BANK
Type	Bank
Address	FARGO, ND 58102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	251 5TH ST, GARDNER, ND 58036-4017
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	TRN ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001560944
Date	Apr 26, 2019
Instrument	1560944

Lender

Name	GATE CITY BANK
Type	Bank
Address	FARGO, ND 58102

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	8%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Dakota
County	Cass County
Municipality	Gardner City
Unified School District	Northern Cass Public School District 97 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$585.00 (-74.08%)	$123,600 (+6.28%) Land $18,800 Building $104,800	$247,200 (+6.28%) Land $37,600 Building $209,600
2023	$2,257.00	$116,300 Land $18,800 Building $97,500	$232,600 Land $37,600 Building $195,000

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.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	87 (1979–2019)
Claims Outside the SFHA	19 of 87
Most Recent Claim	Oct 2019 · river or lake flooding
Claims by Event	Flooding, Apr 2019 · 27 claims Severe Storms And Flooding, May 2013 · 16 claims Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, Apr 1997 · 30 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 99.8% of the US · lower than 99.2% 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	CITY OF GARDNER serves 74 people · EPA ID ND0900387
Water Source	Purchased groundwater from CASS RURAL WATER DISTRICT-PHASE III
Last State Inspection	Sep 2024
Also Mapped Here	CASS RURAL WATER DISTRICT FARGO
Lead	2 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	1 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Halstad Telephone Fiber	1,000 / 1,000
Midco Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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