2922 12th St S, Fargo, ND 58103 Property Records

Cass County property record for 2922 12th St S, Fargo, ND 58103

Property Summary

Property Type	Single Family Home
Details	1,396 sqft · built 1968
Lot Size	0.237 acres (10,327 sqft)
Owner	2 Individual Names on File
Last Sale	$218,000 (Dec 2015)
Tax Bill	$4,446 (2025)
Deeds & Mortgages	Feb 2026 Transfer Mar 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-2860-01181-000`

Property Details

APN / Parcel Number

Primary APN	`01-2860-01181-000`

Interior

Stories	1 Story
Building Area	1,396 sqft Living Area
1st Floor Area	1,396 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	10,327 sqft (0.237 acres)
Lot Dimensions	157 ft deep x 72 ft wide

Location & Zoning

Street Address	2922 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: 116 BLOCK: 0 ADDITION: SOUTHWOOD ADDITIONAL: SOUTHWOOD LOT 116 LESS S 88.5' AND LOT 117 LESS N 14.5'
Legal Subdivision	SOUTHWOOD
Legal Lot Number	116-117
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	3
Census Block	3021
Census Tract	1004

Owner

2922 12th St S is owned and occupied by two individuals who bought it in December 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	2922 12TH ST S, FARGO, ND 58103-6045
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
Feb 13, 2026	Intrafamily Transfer, Transfer FM TITLE
Mar 25, 2020	Deed of Trust, Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2015 · Amount on File
Deed Sale	Dec 30, 2015 · Amount on File
Deed Document Number	20151467067
Prior Transfer Date	Dec 21, 2015
Prior Transfer Doc	0001467067
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CASS ND
Recording Date	Feb 13, 2026
Property Address	2922 12TH ST S, FARGO, ND 58103-6045
Document Number	0001752327
Instrument Date	Feb 13, 2026
Instrument	1752327
Transaction Type	Transfer
Record Updated	Feb 26, 2026
Title Company	FM TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2922 12TH ST S, FARGO, ND 58103-6045

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	2922 12TH ST S, FARGO, ND 58103-6045
Document Number	0001590968
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2922 12TH ST S FARGO ND 581036045, FARGO, ND 58103-6045

Mortgage

Document Number	0001590968
Date	May 19, 2020
Instrument	1590968

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2922 12th St S was $4,446, up 20.1% from the year before.

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	$4,446.00 (+20.13%)	$158,800 (+6.01%) Land $37,000 Building $121,800	$317,600 (+6.01%) Land $74,000 Building $243,600
2024	$3,701.00 (-1.36%)	$149,800 (+12%) Land $37,000 Building $112,800	$299,600 (+12%) Land $74,000 Building $225,600
2023	$3,752.00	$133,750 Land $37,000 Building $96,750	$267,500 Land $74,000 Building $193,500

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

Flood

FEMA maps place 2922 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 2922 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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