3431 28th Ave S, Fargo, ND 58103 Property Records

Cass County property record for 3431 28th Ave S, Fargo, ND 58103

Property Summary

Property Type	Single Family Home
Details	2,220 sqft · built 1997
Lot Size	0.288 acres (12,566 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Jul 2019)
Tax Bill	$6,470 (2025)
Deeds & Mortgages	Jul 2019 Sale & Reverse Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-2296-00091-000`

Property Details

APN / Parcel Number

Primary APN	`01-2296-00091-000`

Interior

Stories	2 Stories
Building Area	2,220 sqft Living Area
1st Floor Area	1,564 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	12,566 sqft (0.288 acres)
Lot Dimensions	140 ft deep x 90 ft wide

Location & Zoning

Street Address	3431 28TH AVE S
City	FARGO
State	ND
Zip	58103-7860
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LOT: 7 BLOCK: 2 ADDITION: PARKVIEW SOUTH 4TH ADDITIONAL: PARKVIEW SOUTH 4TH E 5' OF LOT 7 BLK 2 LOT 8 **10-16-95 SPL FR
Legal Subdivision	PARKVIEW SOUTH 4TH
Legal Block	2
Legal Lot Number	7-8
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	1
Census Block	1013
Census Tract	10308

Owner

Source: Cass County records, as of April 13, 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	3431 28TH AVE S, FARGO, ND 58103-7860
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2019 · Amount on Record
Deed Sale	Jul 30, 2019 · Amount on Record
Deed Document Number	20191567696
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jul 30, 2019
Property Address	3431 28TH AVE S, FARGO, ND 58103-7860
Document Number	0001567696
Instrument Date	Jul 30, 2019
Instrument	1567696
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	TRN ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
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	3431 28TH AVE S, FARGO, ND 58103-7860

Mortgage

Document Number	0001567697
Date	Jul 30, 2019
Instrument	1567697

Lender

Name	OPEN MORTGAGE LLC
Type	Bank

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.07%
Type Change Date	Aug 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

Mortgage

Document Number	0001567698
Date	Jul 30, 2019
Instrument	1567698

Lender

Name	USDA
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.07%
Type Change Date	Aug 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

Source: Cass County assessment roll, as of April 13, 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	$6,470.00 (+11.88%)	$227,700 (+10.21%) Land $42,150 Building $185,550	$455,400 (+10.21%) Land $84,300 Building $371,100
2023	$5,783.00	$206,600 Land $42,150 Building $164,450	$413,200 Land $84,300 Building $328,900

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

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 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 90% of North Dakota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 497 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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