3665 22nd St S, Fargo, ND 58104 Property Records

Cass County property record for 3665 22nd St S, Fargo, ND 58104

Property Summary

Property Type	Single Family Home
Details	1,291 sqft · built 1998
Lot Size	0.257 acres (11,203 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Jul 2021)
Tax Bill	$4,267 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-2323-00872-000`

Property Details

APN / Parcel Number

Primary APN	`01-2323-00872-000`

Interior

Building Area	1,291 sqft Living Area
1st Floor Area	1,291 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Lot Area	11,203 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide

Location & Zoning

Street Address	3665 22ND ST S
City	FARGO
State	ND
Zip	58104-6595
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LOT: 9 BLOCK: 6 ADDITION: PRAIRIE CROSSING ADDITION ADDITIONAL: PRAIRIE CROSSING REPLAT LOT 9 BLK 6
Legal Subdivision	PRAIRIE CROSSING
Legal Block	6
Legal Lot Number	9
Jurisdiction	CASS ND
Township / Civil Division	FARGO
Census Block Group	1
Census Block	1027
Census Tract	10306

Owner

3665 22nd St S is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3665 22ND ST S, FARGO, ND 58104-6595
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Deed of Trust, Mortgage · Line of Credit GATE CITY BANK
Jul 27, 2021	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2021 · Amount on File
Deed Sale	Jul 27, 2021 · Amount on File
Prior Sale	Oct 27, 2005 · Amount on File
Deed Document Number	20211640275
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	3665 22ND ST S, FARGO, ND 58104-6595
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001637990
Date	Jul 6, 2021
Instrument	1637990

Lender

Name	GATE CITY BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jul 27, 2021
Property Address	3665 22ND ST S, FARGO, ND 58104-6595
Document Number	0001640275
Instrument Date	Jul 23, 2021
Instrument	1640275
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	FM TITLE

Transaction

Amount	Amount on Record
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	3665 22ND ST S, FARGO, ND 58104-6595

Mortgage

Document Number	0001640276
Date	Jul 27, 2021
Instrument	1640276

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2031
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	7.75%

Tax Assessment & Valuation

The 2025 property tax bill for 3665 22nd St S was $4,267.

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	$4,267.00	$216,400 Land $39,350 Building $177,050	$432,800 Land $78,700 Building $354,100
2023	$5,196.00	$192,600 Land $39,350 Building $153,250	$385,200 Land $78,700 Building $306,500

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

Flood

FEMA maps place 3665 22nd St S in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File median of 102 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	102 in force
Nearby Flood Claims	98 (1980–2025)
Claims Outside the SFHA	91 of 98
Most Recent Claim	Aug 2025 · rainfall accumulation
Claims by Event	Flooding, Apr 2011 · 13 claims Severe Storms And Flooding, Apr 2009 · 41 claims Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, Apr 1997 · 40 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

Wildfire risk around 3665 22nd St S is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fiber, Fixed Wireless in parts of the area	2,000 / 1,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Otter Tail Telecom.

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