McHenry County property record for 302 4th St W, Velva, ND 58790
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.19 acres (8,291 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $257,000 (Aug 2023) |
| Tax Bill | $2,087 (2025) |
| Deeds & Mortgages | Sep 2011 Mortgage Feb 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 55000710870000 |
| Primary APN | 55000710870000 |
|---|
| Lot Area | 8,291 sqft (0.19 acres) |
|---|
| City | GRELLAND |
|---|---|
| State | ND |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TWN: 000 SCT: 00 RNG: 000 SUB: 0055-0007 BLK: 3 LOT: 4 VELVA-PETERSONS 5TH ADD W1/2 LOT 4 BLK 3 |
| Legal Subdivision | VELVA-PETERSONS 5TH ADD |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | MCHENRY ND |
| Township / Civil Division | VELVA |
| Census Block Group | 1 |
| Census Block | 1146 |
| Census Tract | 955900 |
302 4th St W is owned by two individuals who bought it in August 2023.
Source: McHenry County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 302 4TH ST W, VELVA, ND 58790-7120 |
| 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.
| Date | Document |
|---|---|
| Sep 6, 2011 | Deed of Trust, Mortgage · Conventional Mortgage BREMER BANK NA |
| Feb 10, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Aug 8, 2023 | Warranty Deed, Transfer · Line of Credit FIRST STATE BANK OF HARVEY |
| Aug 8, 2023 | Warranty Deed, Transfer · Closed-End Mortgage FIRST STATE BANK OF HARVEY |
| Jul 23, 2018 | Warranty Deed, Transfer MCHENRY ABSTRACT AND TITLE, MCHENRY ABSTRACT & TITLE |
| Aug 26, 2009 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 8, 2023 · Amount on File |
| Deed Sale | Aug 8, 2023 · Amount on File |
| Prior Sale | Jul 23, 2018 · Amount on File |
| Deed Document Number | 2023332503 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY ND |
| Property Address | ND |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000308879 |
|---|---|
| Date | Sep 6, 2011 |
| Instrument | 308879 |
| Name | BREMER BANK NA |
|---|---|
| Type | Bank |
| Address | LAKE ELMO, MN 55042 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY ND |
| Property Address | 302 4TH ST W, VELVA, ND 58790-7120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 302 4TH ST W, VELVA, ND 58790-7120 |
| Document Number | 0000330155 |
|---|---|
| Date | Feb 10, 2022 |
| Instrument | 330155 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 23, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY ND |
| Recording Date | Aug 8, 2023 |
| Property Address | ND |
| Document Number | 0000332503 |
| Instrument Date | Jul 7, 2023 |
| Instrument | 332503 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | MCHENRY ABSTRACT AND TITLE, MCHENRY ABSTRACT & TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 302 4TH ST W, VELVA, ND 58790-7120 |
| Document Number | 0000332504 |
|---|---|
| Date | Aug 8, 2023 |
| Instrument | 332504 |
| Name | FIRST STATE BANK OF HARVEY |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY ND |
| Recording Date | Aug 8, 2023 |
| Property Address | ND |
| Document Number | 0000332503 |
| Instrument Date | Jul 7, 2023 |
| Instrument | 332503 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | MCHENRY ABSTRACT AND TITLE, MCHENRY ABSTRACT & TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 302 4TH ST W, VELVA, ND 58790-7120 |
| Document Number | 0000332504 |
|---|---|
| Date | Aug 8, 2023 |
| Instrument | 332504 |
| Name | FIRST STATE BANK OF HARVEY |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 1, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY ND |
| Recording Date | Jul 23, 2018 |
| Property Address | ND |
| Document Number | 0000323716 |
| Instrument Date | Jul 19, 2018 |
| Instrument | 323716 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | MCHENRY ABSTRACT AND TITLE, MCHENRY ABSTRACT & TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 115, VELVA, NV 59790 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY ND |
| Recording Date | Aug 26, 2009 |
| Property Address | ND |
| Document Number | 0000304894 |
| Instrument Date | Aug 24, 2009 |
| Instrument | 304894 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 302 4TH ST W, VELVA, ND 58790-7120 |
| Document Number | 0000304895 |
|---|---|
| Date | Aug 26, 2009 |
| Instrument | 304895 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2039 |
The 2025 property tax bill for 302 4th St W was $2,087.
Source: McHenry County assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | North Dakota |
| County | McHenry County |
| Municipality | Velva City |
| Unified School District | Velva Public School District 1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $123,746 (-) Land $8,500 Building $115,246 | $247,491 (-) Land $17,000 Building $230,491 | |
| 2025 | $2,087.00 | $123,746 Land $8,500 Building $115,246 | $247,491 Land $17,000 Building $230,491 |
| 2023 | $3,472.00 | $117,200 Land $8,500 Building $108,700 | $234,400 Land $17,000 Building $217,400 |
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.
FEMA maps place 302 4th St W in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 24, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| Nearest Special Flood Hazard Area | Zone AH, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 29 policies |
| Nearby Flood Policies | 29 in force |
| Nearby Flood Claims | 30 (1979–2011) |
| Claims Outside the SFHA | 11 of 30 |
| Most Recent Claim | Jun 2011 · Flooding |
| Claims by Event |
|
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 risk around 302 4th St W is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 80% of North Dakota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF VELVA serves 1,084 people · EPA ID ND2500964 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Also Mapped Here | NORTH PRAIRIE RWD-SYSTEM 1&2 |
| Lead | 7 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| SRT Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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