3118 23rd St S, Fargo, ND 58103 Property Records

Cass County property record for 3118 23rd St S, Fargo, ND 58103

Property Summary

Property Type	Townhouse
Details	1,080 sqft · built 1980
Lot Size	0.064 acres (2,789 sqft)
Owner	2 Individual Names on File
Last Sale	$166,500 (Dec 2023)
Tax Bill	$656 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Sep 2018 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`01-1405-00790-000`

Property Details

APN / Parcel Number

Primary APN	`01-1405-00790-000`

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	2,789 sqft (0.064 acres)
Lot Dimensions	115 ft deep x 22 ft wide

Location & Zoning

Street Address	3118 23RD ST S
City	FARGO
State	ND
Zip	58103-5803
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MR2
Legal Description	LOT: 34 BLOCK: L ADDITION: IJM ADDITIONAL: IJM LOT 34 BLK L
Legal Subdivision	I J M
Legal Block	L
Legal Lot Number	34
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	2
Census Block	2007
Census Tract	1003

Owner

3118 23rd St S, a townhouse, is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3118 23RD ST S, FARGO, ND 58103-5803
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
Dec 4, 2023	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Sep 26, 2018	Deed of Trust, Mortgage · Commercial Mortgage GATE CITY BANK
Feb 8, 2019	Deed of Trust, Mortgage · SBA Mortgage ASPIRE FINANCIAL INC
Jul 6, 2020	Deed of Trust, Mortgage · Commercial Mortgage GATE CITY BANK
Jun 4, 2020	Correction Deed NORTH DAKOTA GUARANTY AND TITLE, NORTH DAKOTA GUARANTY & TITLE
Aug 16, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 6, 2017	Warranty Deed, Transfer · Commercial Mortgage GATE CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2023 · Amount on File
Deed Sale	Dec 4, 2023 · Amount on File
Prior Sale	Nov 6, 2017 · Amount on File
Deed Document Number	20231702580
Prior Transfer Date	Jun 3, 2020
Prior Transfer Doc	0001592762
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Dec 4, 2023
Property Address	3118 23RD ST S, FARGO, ND 58103-5803
Document Number	0001702580
Instrument Date	Nov 30, 2023
Instrument	1702580
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	3118 23RD ST S, FARGO, ND 58103-5803

Mortgage

Document Number	0001702581
Date	Dec 4, 2023
Instrument	1702581

Lender

Name	BELL BANK
Type	Bank

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	3118 23RD ST S, FARGO, ND 58103-5803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001547851
Date	Sep 26, 2018
Instrument	1547851

Lender

Name	GATE CITY BANK
Type	Bank
Address	WEST FARGO, ND 58078

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 20, 2048

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	3118 23RD ST S, FARGO, ND 58103-5803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001556682
Date	Feb 8, 2019
Instrument	1556682

Lender

Name	ASPIRE FINANCIAL INC
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	119 Months
Due	Jan 14, 2029

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	3118 23RD ST S, FARGO, ND 58103-5803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001596418
Date	Jul 6, 2020
Instrument	1596418

Lender

Name	GATE CITY BANK
Type	Bank
Address	WEST FARGO, ND 58078

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	59 Months
Due	Jun 18, 2025

Interest

Rate Type	Adjustable Rate

June 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	CASS ND
Recording Date	Jun 4, 2020
Property Address	3118 23RD ST S, FARGO, ND 58103-5803
Document Number	0001592762
Instrument Date	Jun 3, 2020
Instrument	1592762
Record Updated	Jun 24, 2020
Title Company	NORTH DAKOTA GUARANTY AND TITLE, NORTH DAKOTA GUARANTY & TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3155 BLUESTEM DR #405 WEST FARGO ND 580788002, 405, WEST FARGO, ND 58078-8002

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CASS ND
Recording Date	Aug 16, 2018
Property Address	3118 23RD ST S, FARGO, ND 58103-5803
Document Number	0001544947
Instrument Date	Aug 16, 2018
Instrument	1544947
Transaction Type	Transfer
Record Updated	Sep 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3155 BLUESTEM DR #405 WEST FARGO ND 580788002, 405, WEST FARGO, ND 58078-8002

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Nov 6, 2017
Property Address	3118 23RD ST S, FARGO, ND 58103-5803
Document Number	0001524750
Instrument Date	Nov 3, 2017
Instrument	1524750
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	3155 BUESTEM DR 405, 405, FERGUSON, IA 50078

Mortgage

Document Number	0001524751
Date	Nov 6, 2017
Instrument	1524751

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	59 Months
Due	Oct 20, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3118 23rd St S was $656.

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	$656.00	$79,800 Land $10,400 Building $69,400	$159,600 Land $20,800 Building $138,800
2023	$1,920.00 (+5.09%)	$69,750 (+6.98%) Land $10,400 Building $59,350	$139,500 (+6.98%) Land $20,800 Building $118,700
2022	$1,827.00	$65,200 Land $10,400 Building $54,800	$130,400 Land $20,800 Building $109,600

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 3118 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 3118 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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