3440 28th Ave S, Fargo, ND 58103 Property Records

Cass County property record for 3440 28th Ave S, Fargo, ND 58103

Property Summary

Property Type	Single Family Home
Details	2,034 sqft · built 1995
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$317,000 (May 2020)
Tax Bill	$4,169 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-2296-00430-000`

Property Details

APN / Parcel Number

Primary APN	`01-2296-00430-000`

Interior

Building Area	2,034 sqft Living Area
1st Floor Area	1,272 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Split Level
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide

Location & Zoning

Street Address	3440 28TH AVE S
City	FARGO
State	ND
Zip	58103-7845
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LOT: 19 BLOCK: 4 ADDITION: PARKVIEW SOUTH 4TH ADDITIONAL: PARKVIEW SOUTH 4TH LOT 19 BLK 4
Legal Subdivision	PARKVIEW SOUTH 4TH
Legal Block	4
Legal Lot Number	19
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	1
Census Block	1009
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	3440 28TH AVE S, FARGO, ND 58103-7845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2020	Warranty Deed, Transfer · Conventional Mortgage VALLEY MORTGAGE INC
Jun 12, 2018	Warranty Deed, Transfer · FHA Mortgage FIRST NATIONAL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2020 · Amount on Record
Deed Sale	May 5, 2020 · Amount on Record
Prior Sale	Jun 12, 2018 · Amount on Record
Deed Document Number	20201589377
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	May 5, 2020
Property Address	3440 28TH AVE S, FARGO, ND 58103-7845
Document Number	0001589377
Instrument Date	Apr 30, 2020
Instrument	1589377
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	3440 28TH AVE S, FARGO, ND 58103-7845

Mortgage

Document Number	0001589378
Date	May 5, 2020
Instrument	1589378

Lender

Name	VALLEY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jun 12, 2018
Property Address	3440 28TH AVE S, FARGO, ND 58103-7845
Document Number	0001539383
Instrument Date	Jun 7, 2018
Instrument	1539383
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1046 39TH AVE W, WEST FARGO, ND 58078-8166
Investor	Possibly a Property Investor

Mortgage

Document Number	0001539384
Date	Jun 12, 2018
Instrument	1539384

Lender

Name	FIRST NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate

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	$4,169.00 (-15.11%)	$202,850 (+15.52%) Land $37,400 Building $165,450	$405,700 (+15.52%) Land $74,800 Building $330,900
2023	$4,911.00	$175,600 Land $37,400 Building $138,200	$351,200 Land $74,800 Building $276,400

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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