323 3rd Ave S, Wahpeton, ND 58075 Property Records

Richland County property record for 323 3rd Ave S, Wahpeton, ND 58075

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · built 1998
Lot Size	0.128 acres (5,581 sqft)
Owner	2 Individual Names on File
Last Sale	$135,900 (Mar 2020)
Tax Bill	$1,276 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`50001013085010`

Property Details

APN / Parcel Number

Primary APN	`50001013085010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	5,581 sqft (0.128 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	323 3RD AVE S
City	WAHPETON
State	ND
Zip	58075-4731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WAHP RICHS RESERVE: (M&B 194A) COM 80'S SWCR LOT 8 BLK-15 OT: S114' E48.96' N114' W48.88'/BEG (TRACT A) ISAAC JORHDAL & MAGGI
Legal Subdivision	WAHP RICHS RESERVE
Legal Tract	A
Legal Block	15
Legal Lot Number	8
Jurisdiction	RICHLAND ND
Township / Civil Division	WAHPETON
Census Block Group	2
Census Block	2017
Census Tract	971000

Owner

323 3rd Ave S is owned and occupied by two individuals who bought it in March 2020.

Source: Richland County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	323 3RD AVE S, WAHPETON, ND 58075-4731
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
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Mar 25, 2020	Warranty Deed, Transfer · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2020 · Amount on File
Deed Sale	Mar 25, 2020 · Amount on File
Prior Sale	Aug 25, 2009 · Amount on File
Deed Document Number	2020367498
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND ND
Recording Date	Aug 5, 2026
Property Address	323 3RD AVE S, WAHPETON, ND 58075-4731
Document Number	0000387994
Instrument Date	Aug 4, 2026
Instrument	2026387994
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	FM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	3123 SW 92ND AVE, OWATONNA, MN 55060-4885

Mortgage

Document Number	0000387994,
Date	Aug 5, 2026
Instrument	2026387994

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND ND
Property Address	323 3RD AVE S, WAHPETON, ND 58075-4731
Transaction Type	Mortgage
Record Updated	Aug 31, 2022
Title Company	INNOVATIVE ABSTRACT & TTL CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000376151
Date	Aug 17, 2022
Instrument	376151

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND ND
Recording Date	Mar 25, 2020
Property Address	323 3RD AVE S, WAHPETON, ND 58075-4731
Document Number	367498
Instrument Date	Mar 25, 2020
Instrument	367498
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	INNOVATIVE ABSTRACT AND TITLE LLC, INNOVATIVE ABSTRACT & TTL CO

Transaction

Amount	Amount 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	323 3RD AVE S, WAHPETON, ND 58075-4731

Mortgage

Document Number	367499
Date	Mar 25, 2020
Instrument	367499

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 323 3rd Ave S was $1,276, down 53.5% from the year before.

Source: Richland County assessment roll, as of August 3, 2026

Property Jurisdictions

Type	Name
State	North Dakota
County	Richland County
Municipality	Wahpeton City
Unified School District	Wahpeton Public School District 37 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,276.00 (-53.52%)	$93,350 Land $6,250 Building $87,100	$186,700 Land $12,500 Building $174,200
2024	$2,745.00 (+1.29%)
2023	$2,710.00	$85,000 Land $4,000 Building $81,000	$170,000 Land $8,000 Building $162,000

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

Flood

FEMA maps place 323 3rd Ave S in Zone X, an area of moderate flood risk, though there have been 55 flood claims nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective March 23, 2023 · 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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	55 (1997–2022)
Claims Outside the SFHA	52 of 55
Most Recent Claim	May 2022 · Severe Winter Storm And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2009 · 4 claims Severe Storms, Flooding, & Ground Saturation, Apr 2001 · 2 claims Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, May 1997 · 45 claims

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 323 3rd Ave 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 WAHPETON serves 7,766 people · EPA ID ND3900973
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	SOUTHEAST WUD (EAST)
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fixed Wireless in parts of the area	2,000 / 350
Red River Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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