2902 12th St S, Fargo, ND 58103 Property Records

Cass County property record for 2902 12th St S, Fargo, ND 58103

Property Summary

Property Type	Single Family Home
Details	1,276 sqft · built 1971
Lot Size	0.209 acres (9,090 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Sep 2021)
Tax Bill	$2,952 (2025)
Deeds & Mortgages	Aug 2026 Transfer Sep 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-2860-01240-000`

Property Details

APN / Parcel Number

Primary APN	`01-2860-01240-000`

Interior

Stories	1 Story
Building Area	1,276 sqft Living Area
1st Floor Area	1,276 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	9,090 sqft (0.209 acres)
Lot Dimensions	140 ft deep x 65 ft wide

Location & Zoning

Street Address	2902 12TH ST S
City	FARGO
State	ND
Zip	58103-6045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LOT: 122 BLOCK: 0 ADDITION: SOUTHWOOD ADDITIONAL: SOUTHWOOD LOT 122
Legal Subdivision	SOUTHWOOD
Legal Lot Number	122
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	3
Census Block	3021
Census Tract	1004

Owner

2902 12th St S is owned and occupied by an individual who acquired it in August 2026.

Source: Cass County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	2902 12TH ST S, FARGO, ND 58103-6045
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
Aug 31, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Sep 2, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2021 · Amount on File
Deed Sale	Sep 2, 2021 · Amount on File
Deed Document Number	20211644186
Last Transfer Date	Aug 26, 2026
Transfer Doc	0001766526
Record Updated	Oct 29, 2026

August 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CASS ND
Recording Date	Aug 31, 2026
Property Address	2902 12TH ST S, FARGO, ND 58103-6045
Document Number	0001766526
Instrument Date	Aug 26, 2026
Instrument	20261766526
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2902 12TH ST S, FARGO, ND 58103-6045

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Sep 2, 2021
Property Address	2902 12TH ST S, FARGO, ND 58103-6045
Document Number	0001644186
Instrument Date	Sep 1, 2021
Instrument	1644186
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	THE TITLE COMPANY/HOMESTEAD, THE TITLE CO RESIDENTIAL

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	2902 12TH ST S, FARGO, ND 58103-6045

Mortgage

Document Number	0001644187
Date	Sep 2, 2021
Instrument	1644187

Lender

Name	AMERICAN FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2902 12th St S was $2,952.

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	$2,952.00	$169,500 Land $33,250 Building $136,250	$339,000 Land $66,500 Building $272,500
2023	$3,810.00	$142,750 Land $33,250 Building $109,500	$285,500 Land $66,500 Building $219,000

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 2902 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 2902 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 261 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
Verizon Fixed Wireless	300 / 20

May also be available: Fidium Fiber, Otter Tail Telecom.

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