2825 11th St S, Fargo, ND 58103 Property Records

Cass County property record for 2825 11th St S, Fargo, ND 58103

Property Summary

Property Type	Single Family Home
Details	1,734 sqft · built 1963
Lot Size	0.204 acres (8,899 sqft)
Owner	Individual Name on File
Last Sale	$466,000 (May 2026)
Tax Bill	$2,902 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`01-2860-01380-000`

Property Details

APN / Parcel Number

Primary APN	`01-2860-01380-000`

Interior

Stories	2 Stories
Building Area	1,734 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Lot Area	8,899 sqft (0.204 acres)
Lot Dimensions	137 ft deep x 65 ft wide

Location & Zoning

Street Address	2825 11TH ST S
City	FARGO
State	ND
Zip	58103-6009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LOT: 136 BLOCK: 0 ADDITION: SOUTHWOOD ADDITIONAL: SOUTHWOOD LOT 136
Legal Subdivision	SOUTHWOOD
Legal Lot Number	136
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	3
Census Block	3021
Census Tract	1004

Owner

2825 11th St S is owned and occupied by an individual who bought it in May 2026.

Source: Cass County records, as of May 29, 2026

Owner of Record	Individual Name on File
Mailing Address	2825 11TH ST S, FARGO, ND 58103-6009
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 15, 2021	Deed of Trust, Mortgage · Line of Credit GATE CITY BANK
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage DACOTAH BANK
Mar 15, 2019	Warranty Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026 · Amount on File
Deed Sale	May 18, 2026 · Amount on File
Prior Sale	Mar 15, 2019 · Amount on File
Deed Document Number	20261758367
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	2825 11TH ST S, FARGO, ND 58103-6009
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001638971
Date	Jul 15, 2021
Instrument	1638971

Lender

Name	GATE CITY BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jun 16, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	2825 11TH ST S, FARGO, ND 58103-6009
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	PLAINS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001631199
Date	May 4, 2021
Instrument	1631199

Lender

Name	GATE CITY BANK
Type	Bank
Address	FARGO, ND 58102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	May 18, 2026
Property Address	2825 11TH ST S, FARGO, ND 58103-6009
Document Number	0001758367
Instrument Date	May 14, 2026
Instrument	20261758367
Transaction Type	Transfer
Record Updated	May 29, 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	2825 11TH ST S, FARGO, ND 58103-6009

Mortgage

Document Number	0001758367,
Date	May 18, 2026
Instrument	20261758367

Lender

Name	DACOTAH BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Mar 15, 2019
Property Address	2825 11TH ST S, FARGO, ND 58103-6009
Document Number	0001558515
Instrument Date	Mar 14, 2019
Instrument	1558515
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2825 11TH ST S, FARGO, ND 58103-6009

Mortgage

Document Number	0001558516
Date	Mar 15, 2019
Instrument	1558516

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	8.25%

Tax Assessment & Valuation

The 2025 property tax bill for 2825 11th St S was $2,902.

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	$2,902.00	$163,650 Land $32,500 Building $131,150	$327,300 Land $65,000 Building $262,300
2023	$3,861.00	$140,650 Land $32,500 Building $108,150	$281,300 Land $65,000 Building $216,300

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 2825 11th 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 2825 11th 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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