3525 45th Ave S, Fargo, ND 58104 Property Records

Cass County property record for 3525 45th Ave S, Fargo, ND 58104

Property Summary

Property Type	Single Family Home
Details	1,358 sqft · built 1999
Lot Size	0.237 acres (10,335 sqft)
Owner	2 Individual Names on Record
Last Sale	$366,000 (Jul 2021)
Tax Bill	$4,037 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`01-5510-00380-000`

Property Details

APN / Parcel Number

Primary APN	`01-5510-00380-000`

Interior

Building Area	1,358 sqft Living Area
1st Floor Area	1,358 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Lot Area	10,335 sqft (0.237 acres)
Lot Dimensions	130 ft deep x 79 ft wide

Location & Zoning

Street Address	3525 45TH AVE S
City	FARGO
State	ND
Zip	58104-6683
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	LOT: 18 BLOCK: 2 ADDITION: FOX RUN THIRD ADDITION ADDITIONAL: FOX RUN 3RD LT 18 BLK 2
Legal Subdivision	FOX RUN 3RD
Legal Block	2
Legal Lot Number	18
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	4
Census Block	4011
Census Tract	10303

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	3525 45TH AVE S, FARGO, ND 58104-6683
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK
Jul 23, 2021	Warranty Deed, Transfer · Conventional Mortgage VALLEY MORTGAGE INC
Feb 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2021 · Amount on Record
Deed Sale	Jul 23, 2021 · Amount on Record
Prior Sale	Sep 6, 2005 · Amount on Record
Deed Document Number	20211639979
Prior Transfer Date	Feb 2, 2017
Prior Transfer Doc	0001502487
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Recording Date	Aug 19, 2026
Property Address	3525 45TH AVE S, FARGO, ND 58104-6683
Document Number	0001765747
Instrument Date	Aug 12, 2026
Instrument	20261765747
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3525 45TH AVE S, FARGO, ND 58104-6683

Mortgage

Document Number	0001765747,
Date	Aug 19, 2026
Instrument	20261765747

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jul 23, 2021
Property Address	3525 45TH AVE S, FARGO, ND 58104-6683
Document Number	0001639979
Instrument Date	Jul 23, 2021
Instrument	1639979
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	THE TITLE COMPANY/HOMESTEAD, THE TITLE CO 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
Relationship	Joint Tenants
Address	3525 45TH AVE S, FARGO, ND 58104-6683

Mortgage

Document Number	0001639980
Date	Jul 23, 2021
Instrument	1639980

Lender

Name	VALLEY MORTGAGE INC
Type	Mortgage Company

Agreement

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

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CASS ND
Recording Date	Feb 2, 2017
Property Address	3525 45TH AVE S, FARGO, ND 58104-6683
Document Number	0001502487
Instrument Date	Feb 2, 2017
Instrument	1502487
Transaction Type	Transfer
Record Updated	Apr 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3525 45TH AVE S FARGO ND 581046683, FARGO, ND 58104-6683

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	$4,037.00 (-16.02%)	$202,000 (+12.35%) Land $36,950 Building $165,050	$404,000 (+12.35%) Land $73,900 Building $330,100
2023	$4,807.00	$179,800 Land $36,950 Building $142,850	$359,600 Land $73,900 Building $285,700

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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