3092 23rd St S, Fargo, ND 58103 Property Records

Cass County property record for 3092 23rd St S, Fargo, ND 58103

Property Summary

Property Type	Townhouse
Details	576 sqft · built 1980
Lot Size	0.064 acres (2,789 sqft)
Owner	Individual Name on File
Last Sale	$134,500 (Jul 2018)
Tax Bill	$695 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-1405-00680-000`

Property Details

APN / Parcel Number

Primary APN	`01-1405-00680-000`

Interior

Building Area	576 sqft Living Area
1st Floor Area	576 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Townhouse
Lot Area	2,789 sqft (0.064 acres)
Lot Dimensions	115 ft deep x 22 ft wide

Location & Zoning

Street Address	3092 23RD ST S
City	FARGO
State	ND
Zip	58103-5883
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MR2
Legal Description	LOT: 23 BLOCK: L ADDITION: IJM ADDITIONAL: IJM LOT 23 BLK L
Legal Subdivision	I J M
Legal Block	L
Legal Lot Number	23
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	2
Census Block	2007
Census Tract	1003

Owner

3092 23rd St S, a townhouse, is owned and occupied by an individual who bought it in July 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3092 23RD ST S, FARGO, ND 58103-5883
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
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Jul 30, 2018	Warranty Deed, Transfer · FHA Mortgage GATE CITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2018 · Amount on File
Deed Sale	Jul 30, 2018 · Amount on File
Prior Sale	Oct 6, 2009 · Amount on File
Deed Document Number	20181543393
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	3092 23RD ST S, FARGO, ND 58103-5883
Transaction Type	Mortgage
Record Updated	Mar 15, 2021
Title Company	THE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001619812
Date	Jan 19, 2021
Instrument	1619812

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jul 30, 2018
Property Address	3092 23RD ST S, FARGO, ND 58103-5883
Document Number	0001543393
Instrument Date	Jul 27, 2018
Instrument	1543393
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3092 23RD ST S, FARGO, ND 58103-5883

Mortgage

Document Number	0001543394
Date	Jul 30, 2018
Instrument	1543394

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3092 23rd St S was $695.

Source: Cass County assessment roll, as of April 13, 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	$695.00	$82,600 Land $10,400 Building $72,200	$165,200 Land $20,800 Building $144,400
2023	$2,040.00	$75,600 Land $10,400 Building $65,200	$151,200 Land $20,800 Building $130,400

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

Flood

FEMA maps place 3092 23rd St S in Zone X, an area of moderate flood risk, within 500 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 500 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 3092 23rd 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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