3420 Spruce Dr N, Mandan, ND 58554 Property Records

Morton County property record for 3420 Spruce Dr N, Mandan, ND 58554

Property Summary

Property Type	Single Family Home
Details	built 1985
Lot Size	1.51 acres (65,778 sqft)
Owner	Individual Name on File
Last Sale	$599,900 (May 2023)
Tax Bill	$2,921 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Sep 2019 Second Mortgage
Flood Zone	Zone X (moderate risk)
APN	`51-0113000`

Property Details

APN / Parcel Number

Primary APN	`51-0113000`

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	65,778 sqft (1.51 acres)

Location & Zoning

Street Address	3420 SPRUCE DR N
City	MANDAN
State	ND
Zip	58554-8226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	TWN: 140 SCT: 28 RNG: 81 SUB: 052 LOT 10 & N 60' OF LOT 11
Legal Range	81
Legal Township	140
Legal Section	28
Legal Subdivision	GEORGIANAS ACRES
Legal Lot Number	10-11
Jurisdiction	MORTON ND
Township / Civil Division	MANDAN
Census Block Group	2
Census Block	2015
Census Tract	20200

Owner

3420 Spruce Dr N is owned and occupied by an individual who bought it in May 2023.

Source: Morton County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	3420 SPRUCE DR N, MANDAN, ND 58554-8226
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
May 26, 2023	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK
Sep 3, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage STARION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2023 · Amount on File
Deed Sale	May 26, 2023 · Amount on File
Deed Document Number	2023515108
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORTON ND
Recording Date	May 26, 2023
Property Address	3420 SPRUCE DR N, MANDAN, ND 58554-8226
Document Number	0000515108
Instrument Date	May 26, 2023
Instrument	515108
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	QUALITY TITLE INC

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 SPRUCE DR N, MANDAN, ND 58554-8226

Mortgage

Document Number	0000515109
Date	May 26, 2023
Instrument	515109

Lender

Name	GATE CITY BANK
Type	Bank
Address	FARGO, ND 58102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORTON ND
Property Address	3420 SPRUCE DR N, MANDAN, ND 58554-8226
Transaction Type	Mortgage
Record Updated	Apr 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	490548
Date	Sep 3, 2019
Instrument	490548

Lender

Name	STARION BANK
Type	Bank
Address	BISMARCK, ND 58501

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3420 Spruce Dr N was $2,921.

Source: Morton County assessment roll, as of April 7, 2026

Property Jurisdictions

Type	Name
State	North Dakota
County	Morton County
Unified School District	Mandan Public School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$232,350 (-14.21%)	$464,700 (-14.21%)
2025	$2,921.00	$270,850 Land $28,550 Building $242,300	$541,700 Land $57,100 Building $484,600
2023	$4,426.00	$246,050 Land $28,450 Building $217,600	$492,100 Land $56,900 Building $435,200

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 3420 Spruce Dr N 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 August 1, 2024 · 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 39 policies
Nearby Flood Policies	39 in force
Nearby Flood Claims	35 (2011–2012)
Claims Outside the SFHA	13 of 35
Most Recent Claim	Jul 2012 · rainfall accumulation
Claims by Event	Flooding, Jul 2011 · 33 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

Wildfire risk around 3420 Spruce Dr N is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 50% of North Dakota
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	MISSOURI WEST WATER SYSTEM private · serves 4,303 people · EPA ID ND3001431
Water Source	Purchased surface water from several systems
Last State Inspection	May 2023
Lead	Under 1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BEK Communications Cooperative Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

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