2825 12th St S, Fargo, ND 58103 Property Records

Cass County property record for 2825 12th St S, Fargo, ND 58103

Property Summary

Property Type	Single Family Home
Details	2,492 sqft · built 1972
Lot Size	0.291 acres (12,692 sqft)
Owner	Company Name on File
Last Sale	$510,000 (Oct 2022)
Tax Bill	$6,745 (2025)
Deeds & Mortgages	Oct 2022 Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-2860-01100-000`

Property Details

APN / Parcel Number

Primary APN	`01-2860-01100-000`

Interior

Stories	1 Story
Building Area	2,492 sqft Living Area
1st Floor Area	2,492 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	12,692 sqft (0.291 acres)
Lot Dimensions	169 ft deep x 75 ft wide

Location & Zoning

Street Address	2825 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: 108 BLOCK: 0 ADDITION: SOUTHWOOD ADDITIONAL: SOUTHWOOD LOT 108 AND LOT 109 EXC SLY 75'
Legal Subdivision	SOUTHWOOD
Legal Lot Number	108-109
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	3
Census Block	3012
Census Tract	1004

Owner

2825 12th St S is owned by a company that bought it in October 2022.

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

Owner of Record	Company Name on File
Mailing Address	3247 47TH ST S, B, FARGO, ND 58104-4499
Owner Type	Company
Vesting	Company

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
Oct 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage GATE CITY BANK
May 3, 2022	Warranty Deed, Transfer · Commercial Mortgage FIRST WESTERN BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2022 · Amount on File
Deed Sale	Oct 21, 2022 · Amount on File
Prior Sale	May 3, 2022 · Amount on File
Deed Document Number	20221678071
Prior Transfer Date	May 2, 2022
Prior Transfer Doc	0001664426
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	2825 12TH ST S, FARGO, ND 58103-6042
Transaction Type	Mortgage
Record Updated	Apr 26, 2024
Title Company	FM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001678072
Date	Oct 21, 2022
Instrument	1678072

Lender

Name	GATE CITY BANK
Type	Bank
Address	FARGO, ND 58108

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	May 3, 2022
Property Address	2825 12TH ST S, FARGO, ND 58103-6042
Document Number	0001664424
Instrument Date	Apr 29, 2022
Instrument	1664424
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	3247 47TH ST S # B, B, FARGO, ND 58104-4499
Investor	Possibly a Property Investor

Mortgage

Document Number	0001664425
Date	May 3, 2022
Instrument	1664425

Lender

Name	FIRST WESTERN BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	10 Months
Due	Mar 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 2825 12th St S was $6,745.

Source: Cass County assessment roll, as of August 25, 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	$6,745.00	$251,150 Land $42,550 Building $208,600	$502,300 Land $85,100 Building $417,200
2023	$5,647.00	$211,550 Land $42,550 Building $169,000	$423,100 Land $85,100 Building $338,000

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

FEMA maps place 2825 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 2825 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.

Nearby Properties on 12th St S

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures