3430 45th Ave S, Fargo, ND 58104 Property Records

Cass County property record for 3430 45th Ave S, Fargo, ND 58104

Property Summary

Property Type	Single Family Home
Details	1,616 sqft · built 1999
Lot Size	0.233 acres (10,140 sqft)
Owner	2 Individual Names on Record
Last Sale	$484,000 (Aug 2024)
Tax Bill	$6,500 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-5510-00540-000`

Property Details

APN / Parcel Number

Primary APN	`01-5510-00540-000`

Interior

Stories	1 Story
Building Area	1,616 sqft Living Area
1st Floor Area	1,616 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	10,140 sqft (0.233 acres)
Lot Dimensions	130 ft deep x 78 ft wide

Location & Zoning

Street Address	3430 45TH AVE S
City	FARGO
State	ND
Zip	58104-6675
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	LOT: 4 BLOCK: 3 ADDITION: FOX RUN THIRD ADDITION ADDITIONAL: FOX RUN 3RD LT 4 BLK 3
Legal Subdivision	FOX RUN 3RD
Legal Block	3
Legal Lot Number	4
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	4
Census Block	4010
Census Tract	10303

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3430 45TH AVE S, FARGO, ND 58104-6675
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Jan 23, 2017	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2024 · Amount on Record
Deed Sale	Aug 26, 2024 · Amount on Record
Prior Sale	Jul 13, 2020 · Amount on Record
Deed Document Number	20241718608
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jul 13, 2020
Property Address	3430 45TH AVE S, FARGO, ND 58104-6675
Document Number	0001597318
Instrument Date	Jul 10, 2020
Instrument	1597318
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	FM TITLE

Transaction

Amount	Amount Recorded
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	3430 45TH AVE S, FARGO, ND 58104-6675

Mortgage

Document Number	0001597319
Date	Jul 13, 2020
Instrument	1597319

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jan 23, 2017
Property Address	3430 45TH AVE S, FARGO, ND 58104-6675
Document Number	0001501592
Instrument Date	Jan 20, 2017
Instrument	1501592
Transaction Type	Transfer
Record Updated	Apr 24, 2017
Title Company	TITLE COMPANY LLC, TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3430 45TH AVE S FARGO ND 581046675, FARGO, ND 58104-6675

Mortgage

Document Number	1501593
Date	Jan 23, 2017
Instrument	1501593

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2047

Tax Assessment & Valuation

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	$6,500.00 (+17.9%)	$226,900 (+13.99%) Land $36,400 Building $190,500	$453,800 (+13.99%) Land $72,800 Building $381,000
2023	$5,513.00	$199,050 Land $36,400 Building $162,650	$398,100 Land $72,800 Building $325,300

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

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 Record median of 99 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	99 in force
Nearby Flood Claims	101 (1997–2011)
Claims Outside the SFHA	98 of 101
Most Recent Claim	Apr 2011 · Flooding
Claims by Event	Flooding, Apr 2011 · 12 claims Severe Storms And Flooding, Apr 2009 · 48 claims Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, May 1997 · 41 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

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 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Sparklight Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Fidium Fiber, Verizon.

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