3095 22nd St S, Fargo, ND 58103 Property Records

Cass County property record for 3095 22nd St S, Fargo, ND 58103

Property Summary

Property Type	Townhouse
Details	1,080 sqft · built 1980
Lot Size	0.118 acres (5,126 sqft)
Owner	Individual Name on File
Last Sale	$176,900 (Sep 2023)
Tax Bill	$935 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Sep 2023 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`01-1405-00580-000`

Property Details

APN / Parcel Number

Primary APN	`01-1405-00580-000`

Interior

Stories	2 Stories
Building Area	1,080 sqft Living Area
1st Floor Area	504 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Townhouse
Lot Area	5,126 sqft (0.118 acres)
Lot Dimensions	116 ft deep x 31 ft wide

Location & Zoning

Street Address	3095 22ND ST S
City	FARGO
State	ND
Zip	58103-5884
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MR2
Legal Description	LOT: 13 BLOCK: L ADDITION: IJM ADDITIONAL: IJM LOT 13 BLK L
Legal Subdivision	I J M
Legal Block	L
Legal Lot Number	13
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	2
Census Block	2007
Census Tract	1003

Owner

3095 22nd St S, a townhouse, is owned and occupied by an individual who bought it in September 2023.

Source: Cass County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	3095 22ND ST S, FARGO, ND 58103-5884
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
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 5, 2023	Affidavit of Death of Joint Tenant, Transfer TITLE COMPANY/WARREN, TITLE COMPANY RESIDENTIAL
Sep 5, 2023	Warranty Deed, Transfer · Conventional Mortgage ALERUS FINANCIAL NA
Feb 17, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2023 · Amount on File
Deed Sale	Sep 5, 2023 · Amount on File
Deed Document Number	20231696707
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	3095 22ND ST S, FARGO, ND 58103-5884
Transaction Type	Mortgage
Record Updated	Apr 26, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 22ND ST S, FARGO, ND 58103-5884

Mortgage

Document Number	0001671427
Date	Jul 27, 2022
Instrument	1671427

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 22, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CASS ND
Recording Date	Sep 5, 2023
Property Address	3095 22ND ST S, FARGO, ND 58103-5884
Document Number	0001696706
Instrument Date	Sep 1, 2023
Instrument	1696706
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	TITLE COMPANY/WARREN, TITLE COMPANY RESIDENTIAL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Sep 5, 2023
Property Address	3095 22ND ST S, FARGO, ND 58103-5884
Document Number	0001696707
Instrument Date	Sep 1, 2023
Instrument	1696707
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	3095 22ND ST S, FARGO, ND 58103-5884

Mortgage

Document Number	0001696708
Date	Sep 5, 2023
Instrument	1696708

Lender

Name	ALERUS FINANCIAL NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	3095 22ND ST S, FARGO, ND 58103-5884
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001503503
Date	Feb 17, 2017
Instrument	1503503

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Dec 6, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3095 22nd St S was $935.

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	$935.00	$86,600 Land $15,800 Building $70,800	$173,200 Land $31,600 Building $141,600
2023	$2,129.00 (+4.98%)	$75,700 (+7%) Land $15,800 Building $59,900	$151,400 (+7%) Land $31,600 Building $119,800
2022	$2,028.00	$70,750 Land $15,800 Building $54,950	$141,500 Land $31,600 Building $109,900

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 3095 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 3095 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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