3028 22nd St S, Fargo, ND 58103 Property Records

Cass County property record for 3028 22nd St S, Fargo, ND 58103

Property Summary

Property Type	Single Family Home
Details	1,260 sqft · built 1979
Lot Size	0.109 acres (4,751 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Aug 2022)
Tax Bill	$2,966 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`01-1405-00070-000`

Property Details

APN / Parcel Number

Primary APN	`01-1405-00070-000`

Interior

Building Area	1,260 sqft Total Area
1st Floor Area	840 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Split Level
Lot Area	4,751 sqft (0.109 acres)
Lot Dimensions	119 ft deep x 39 ft wide

Location & Zoning

Street Address	3028 22ND ST S
City	FARGO
State	ND
Zip	58103-5801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	LOT: 7 BLOCK: I ADDITION: IJM ADDITIONAL: IJM LOT 7 BLK I
Legal Subdivision	I J M
Legal Block	1
Legal Lot Number	7
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	2
Census Block	2009
Census Tract	1003

Owner

3028 22nd St S is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3028 22ND ST S, FARGO, ND 58103-5801
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 6, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 16, 2022	Warranty Deed, Transfer · FHA Mortgage GATE CITY BANK
Aug 1, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2022 · Amount on File
Deed Sale	Aug 16, 2022 · Amount on File
Prior Sale	Feb 12, 2014 · Amount on File
Deed Document Number	20221673070
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	3028 22ND ST S, FARGO, ND 58103-5801
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3028 22ND ST S, FARGO, ND 58103-5801

Mortgage

Document Number	0001751963
Date	Feb 6, 2026
Instrument	1751963

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Partial Claim Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Aug 16, 2022
Property Address	3028 22ND ST S, FARGO, ND 58103-5801
Document Number	0001673070
Instrument Date	Aug 12, 2022
Instrument	1673070
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	TITLE COMPANY/WARREN, TITLE COMPANY 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	3028 22ND ST S, FARGO, ND 58103-5801

Mortgage

Document Number	0001673071
Date	Aug 16, 2022
Instrument	1673071

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	3028 22ND ST S, FARGO, ND 58103-5801
Document Number	0001600934
Instrument Date	Aug 1, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3028 22ND ST S FARGO ND 581035801, FARGO, ND 58103-5801

Mortgage

Document Number	0001600934
Date	Aug 11, 2020
Instrument	1600934

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 10, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 3028 22nd St S was $2,966.

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	$2,966.00	$97,400 Land $16,900 Building $80,500	$194,800 Land $33,800 Building $161,000
2023	$2,438.00	$85,150 Land $16,900 Building $68,250	$170,300 Land $33,800 Building $136,500

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 3028 22nd 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 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 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

The area around 3028 22nd 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 503 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: Otter Tail Telecom.

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