2805 12th St S, Fargo, ND 58103 Property Records

Cass County property record for 2805 12th St S, Fargo, ND 58103

Property Summary

Property Type	Single Family Home
Details	1,232 sqft · built 1971
Lot Size	0.375 acres (16,348 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Dec 2022)
Tax Bill	$2,882 (2025)
Deeds & Mortgages	Dec 2022 Sale Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`01-2860-01050-000`

Property Details

APN / Parcel Number

Primary APN	`01-2860-01050-000`

Interior

Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	16,348 sqft (0.375 acres)
Lot Dimensions	185 ft deep x 88 ft wide

Location & Zoning

Street Address	2805 12TH ST S
City	FARGO
State	ND
Zip	58103-6042
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LOT: 102 BLOCK: 0 ADDITION: SOUTHWOOD ADDITIONAL: SOUTHWOOD LOT 102 EXC THE N 40' AND N 58' LOT 103
Legal Subdivision	SOUTHWOOD
Legal Lot Number	102-103
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	3
Census Block	3012
Census Tract	1004

Owner

2805 12th St S is owned and occupied by two individuals who acquired it in October 2024.

Source: Cass County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2805 12TH ST S, FARGO, ND 58103-6042
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2022	Correction Deed FM TITLE
Oct 6, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Aug 10, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2022 · Amount on File
Deed Sale	Dec 19, 2022 · Amount on File
Prior Sale	Oct 6, 2022 · Amount on File
Deed Document Number	20221681824
Last Transfer Date	Oct 10, 2024
Transfer Doc	0001721759
Record Updated	Sep 20, 2026

December 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	CASS ND
Recording Date	Dec 19, 2022
Property Address	2805 12TH ST S, FARGO, ND 58103-6042
Document Number	0001681824
Instrument Date	Dec 16, 2022
Instrument	1681824
Record Updated	Apr 26, 2024
Title Company	FM TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2805 12TH ST S, FARGO, ND 58103-6042

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Oct 6, 2022
Property Address	2805 12TH ST S, FARGO, ND 58103-6042
Document Number	0001676963
Instrument Date	Sep 30, 2022
Instrument	1676963
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	FM TITLE

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	2805 12TH ST S, FARGO, ND 58103-6042

Mortgage

Document Number	0001676964
Date	Oct 6, 2022
Instrument	1676964

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CASS ND
Recording Date	Aug 10, 2021
Property Address	2805 12TH ST S, FARGO, ND 58103-6042
Document Number	0001641795
Instrument Date	Jul 28, 2021
Instrument	1641795
Transaction Type	Transfer
Record Updated	Apr 26, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2805-12TH STREET SOUTH, FARGO, ND 58103-6042

Tax Assessment & Valuation

The 2025 property tax bill for 2805 12th St S was $2,882.

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

Property Jurisdictions

Type	Name
State	North Dakota
County	Cass County
Municipality	Fargo City
Unified School District	Fargo Public School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,882.00	$157,850 Land $46,450 Building $111,400	$315,700 Land $92,900 Building $222,800
2023	$3,791.00	$132,950 Land $46,450 Building $86,500	$265,900 Land $92,900 Building $173,000

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

Flood

FEMA maps place 2805 12th St S in Zone X, an area of moderate flood risk, within 100 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 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 File median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	4 (2009–2011)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Apr 2011 · Flooding
Claims by Event	Flooding, Apr 2011 · 2 claims Severe Storms And Flooding, Apr 2009 · 2 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

The area around 2805 12th St S has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 FARGO serves 120,762 people · EPA ID ND0900336
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Bromate resolved · Jan 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fiber, Fixed Wireless in parts of the area	2,000 / 350
Sparklight Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Otter Tail Telecom, Verizon.

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