296 Chestnut Dr, Horace, ND 58047 Property Records

Cass County property record for 296 Chestnut Dr, Horace, ND 58047

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,177 sqft · built 2001
Lot Size	0.73 acres (31,884 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,000 (Jan 2019)
Tax Bill	$7,469 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jul 2023 Mortgage + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`15-0755-00160-000`

Property Details

APN / Parcel Number

Primary APN	`15-0755-00160-000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,177 sqft Living Area
Basement Area	1,575 sqft
Finished Basement	1,575 sqft
Unfinished Basement	1,575 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Metal
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	31,884 sqft (0.73 acres)
Garage Type	Attached
Garage Area	868 sqft
Porch	Slab
Deck Area	101 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	296 CHESTNUT DR
City	HORACE
State	ND
Zip	58047-4005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 16 BLOCK: 1 ADDITION: RIVER OAKS ESTATES ADDITIONAL: RIVER OAKS ESTATES LT 16 BLK 1
Legal Subdivision	RIVER OAKS
Legal Block	1
Legal Lot Number	16
Jurisdiction	CASS ND
Township / Civil Division	HORACE
Census Block Group	1
Census Block	1016
Census Tract	40503

Owner

Source: Cass County records, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	296 CHESTNUT DR, HORACE, ND 58047-4005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Deed of Trust, Mortgage · Line of Credit CS BANK
Jul 20, 2023	Deed of Trust, Mortgage · Commercial Mortgage CS BANK
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK
Jan 14, 2019	Warranty Deed, Transfer · Conventional Mortgage TCF NATIONAL BANK
Dec 17, 2018	Trustee's Deed, Construction Loan · Construction Mortgage BELL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2019 · Amount on Record
Deed Sale	Jan 14, 2019 · Amount on Record
Deed Document Number	20191555395
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	296 CHESTNUT DR, HORACE, ND 58047-4005
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 CHESTNUT DR, HORACE, ND 58047-4005

Mortgage

Document Number	0001747743
Date	Nov 25, 2025
Instrument	1747743

Lender

Name	CS BANK
Type	Bank
Address	FARGO, ND 58104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 20, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	296 CHESTNUT DR, HORACE, ND 58047-4005
Transaction Type	Mortgage
Record Updated	Aug 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 CHESTNUT DR, HORACE, ND 58047-4005

Mortgage

Document Number	0001693585
Date	Jul 20, 2023
Instrument	1693585

Lender

Name	CS BANK
Type	Bank
Address	FARGO, ND 58104

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	62 Months
Due	Sep 20, 2028

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	296 CHESTNUT DR, HORACE, ND 58047-4005
Transaction Type	Mortgage
Record Updated	Dec 8, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001651111
Date	Nov 12, 2021
Instrument	1651111

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Dec 1, 2045

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	296 CHESTNUT DR, HORACE, ND 58047-4005
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	FM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001575377
Date	Oct 28, 2019
Instrument	1575377

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2044

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jan 14, 2019
Property Address	296 CHESTNUT DR, HORACE, ND 58047-4005
Document Number	0001555395
Instrument Date	Jan 11, 2019
Instrument	1555395
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	FM TITLE

Transaction

Amount	Amount Recorded
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	296 CHESTNUT DR, HORACE, ND 58047-4005

Mortgage

Document Number	0001555396
Date	Jan 14, 2019
Instrument	1555396

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

December 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CASS ND
Recording Date	Dec 17, 2018
Property Address	296 CHESTNUT DR, HORACE, ND 58047-4005
Instrument Date	Dec 10, 2018
Instrument	1553931
Transaction Type	Construction Loan
Record Updated	Jan 9, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	296 CHESTNUT DR HORACE ND 580474005, HORACE, ND 58047-4005

Mortgage

Document Number	0001553931
Date	Dec 17, 2018
Instrument	1553931

Lender

Name	BELL BK
Address	FARGO, ND 58104

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 16, 2019

Tax Assessment & Valuation

Source: Cass County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	North Dakota
County	Cass County
Municipality	Horace City
Unified School District	West Fargo Public School District 6 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,469.00 (+14.24%)	$278,350 (+6.63%) Land $36,500 Building $241,850	$556,700 (+6.63%) Land $73,000 Building $483,700
2023	$6,538.00	$261,050 Land $36,500 Building $224,550	$522,100 Land $73,000 Building $449,100

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

Flood

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 87% of North Dakota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 HORACE serves 1,641 people · EPA ID ND0900488
Water Source	Purchased surface water from CASS RURAL WATER DISTRICT FARGO
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Dickey Rural Telephone Cooperative Fiber	2,500 / 2,500
Midco Cable · Fiber, Fixed Wireless in parts of the area	2,000 / 1,000
Sparklight Fiber	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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