401 1st St SE, Towner, ND 58788 Property Records

McHenry County property record for 401 1st St SE, Towner, ND 58788

Property Summary

Property Type	Single Family Home
Lot Size	2.23 acres (97,139 sqft)
Owner	2 Individual Names on Record
Last Sale	$144,900 (Dec 2018)
Tax Bill	$828 (2025)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35000007104000`

Property Details

APN / Parcel Number

Primary APN	`35000007104000`

Exterior

Lot Area	97,139 sqft (2.23 acres)
Lot Dimensions	486 ft deep x 170 ft wide

Location & Zoning

Street Address	401 1ST ST SE
City	TOWNER
State	ND
Zip	58788
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWN: 156 SCT: 11 RNG: 076 SUB: 0035-0000 OUTLOT 904 OF NW1/4SE1/4 SEC 11-156-76
Legal Lot Number	904
Jurisdiction	MCHENRY ND
Township / Civil Division	NEWPORT
Census Block Group	2
Census Block	2314
Census Tract	955600

Owner

Source: McHenry County records, as of October 20, 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	PO BOX 592, TOWNER, ND 58788-0592
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2018 · Amount on Record
Deed Sale	Dec 7, 2018 · Amount on Record
Deed Document Number	2018324507
Record Updated	Oct 29, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCHENRY ND
Recording Date	Dec 7, 2018
Property Address	401 1ST ST SE, TOWNER, ND 58788-7705
Document Number	0000324507
Instrument Date	Dec 5, 2018
Instrument	324507
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	MCHENRY ABSTRACT AND TITLE, MCHENRY ABSTRACT & 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	PO BOX 592, TOWNER, ND 58788-0592
Investor	Possibly a Property Investor

Mortgage

Document Number	0000324508
Date	Dec 7, 2018
Instrument	324508

Lender

Name	TOWN & COUNTRY CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: McHenry County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	North Dakota
County	McHenry County
County Subdivision	Newport Township
Unified School District	TGU Public School District 60 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$50,200 (-) Land $11,150 Building $39,050	$100,400 (-) Land $22,300 Building $78,100
2025	$828.00	$50,200 (-) Land $11,150 Building $39,050	$100,400 (-) Land $22,300 Building $78,100
2023	$828.00	$50,200 Land $11,150 Building $39,050	$100,400 Land $22,300 Building $78,100

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 March 24, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	9 (1979–2001)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Aug 2001 · rainfall accumulation

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	Moderate above 43% of the US · above 65% of North Dakota
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 TOWNER serves 479 people · EPA ID ND2500946
Water Source	Groundwater
Last State Inspection	Aug 2025
Also Mapped Here	NORTH PRAIRIE RWD-SYSTEM 1&2
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Mar 2024
Monitoring and Reporting	5 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
SRT Fiber	1,000 / 1,000