3524 45th Ave S, Fargo, ND 58104 Property Records

Cass County property record for 3524 45th Ave S, Fargo, ND 58104

Property Summary

Property Type	Single Family Home
Details	1,162 sqft · built 2000
Lot Size	0.233 acres (10,140 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Sep 2021)
Tax Bill	$3,129 (2025)
Deeds & Mortgages	May 2024 Second Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-5510-00590-000`

Property Details

APN / Parcel Number

Primary APN	`01-5510-00590-000`

Interior

Building Area	1,162 sqft Living Area
1st Floor Area	1,162 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Lot Area	10,140 sqft (0.233 acres)
Lot Dimensions	130 ft deep x 78 ft wide

Location & Zoning

Street Address	3524 45TH AVE S
City	FARGO
State	ND
Zip	58104-6676
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	LOT: 9 BLOCK: 3 ADDITION: FOX RUN THIRD ADDITION ADDITIONAL: FOX RUN 3RD LT 9 BLK 3
Legal Subdivision	FOX RUN 3RD
Legal Block	3
Legal Lot Number	9
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	4
Census Block	4010
Census Tract	10303

Owner

Source: Cass County records, as of April 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3524 45TH AVE S, FARGO, ND 58104-6676
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Sep 9, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2021 · Amount on Record
Deed Sale	Sep 9, 2021 · Amount on Record
Prior Sale	Oct 6, 2010
Deed Document Number	20211644837
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	3524 45TH AVE S, FARGO, ND 58104-6676
Transaction Type	Mortgage
Record Updated	May 16, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC OH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001710906
Date	May 6, 2024
Instrument	1710906

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 6, 2044

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Sep 9, 2021
Property Address	3524 45TH AVE S, FARGO, ND 58104-6676
Document Number	0001644837
Instrument Date	Sep 9, 2021
Instrument	1644837
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	TITLE COMPANY/WARREN, TITLE COMPANY RESIDENTIAL

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	3524 45TH AVE S, FARGO, ND 58104-6676

Mortgage

Document Number	0001644839
Date	Sep 9, 2021
Instrument	1644839

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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	$3,129.00 (-22.05%)	$168,650 (+12.36%) Land $36,400 Building $132,250	$337,300 (+12.36%) Land $72,800 Building $264,500
2023	$4,014.00	$150,100 Land $36,400 Building $113,700	$300,200 Land $72,800 Building $227,400

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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