2826 12th St S, Fargo, ND 58103 Property Records

Cass County property record for 2826 12th St S, Fargo, ND 58103

Property Summary

Property Type	Single Family Home
Details	1,184 sqft · built 1971
Lot Size	0.204 acres (8,903 sqft)
Owner	Individual Name on File
Tax Bill	$1,064 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2023 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-2860-01250-000`

Property Details

APN / Parcel Number

Primary APN	`01-2860-01250-000`

Interior

Stories	1 Story
Building Area	1,184 sqft Living Area
1st Floor Area	1,184 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	8,903 sqft (0.204 acres)
Lot Dimensions	137 ft deep x 65 ft wide

Location & Zoning

Street Address	2826 12TH ST S
City	FARGO
State	ND
Zip	58103-6043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LOT: 123 BLOCK: 0 ADDITION: SOUTHWOOD ADDITIONAL: SOUTHWOOD LOT 123
Legal Subdivision	SOUTHWOOD
Legal Lot Number	123
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	3
Census Block	3021
Census Tract	1004

Owner

2826 12th St S is owned and occupied by an individual who acquired it in November 2014.

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

Owner of Record	Individual Name on File
Mailing Address	2826 12TH ST S, FARGO, ND 58103-6043
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Jul 11, 2023	Deed of Trust, Mortgage · Commercial Mortgage CS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 3, 2014
Transfer Doc	0000031466
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	2826 12TH ST S, FARGO, ND 58103-6043
Transaction Type	Mortgage
Record Updated	Apr 26, 2024
Title Company	THE TITLE SERVICES GROUP, THE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001626717
Date	Mar 26, 2021
Instrument	1626717

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

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

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	2826 12TH ST S, FARGO, ND 58103-6043
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2826 12TH ST S, FARGO, ND 58103-6043

Mortgage

Document Number	0001692922
Date	Jul 11, 2023
Instrument	1692922

Lender

Name	CS BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 20, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 2826 12th St S was $1,064.

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	$1,064.00	$133,400 Land $32,700 Building $100,700	$266,800 Land $65,400 Building $201,400
2023	$764.00	$112,350 Land $32,700 Building $79,650	$224,700 Land $65,400 Building $159,300

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

Flood

FEMA maps place 2826 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 2826 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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