Pembina County property record for 405 Spruce Ln, Cavalier, ND 58220
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.507 acres (22,100 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,407 (2025) |
| Deeds & Mortgages | Jul 2010 Mortgage Feb 2008 Construction Loan + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-6970023 |
| Primary APN | 27-6970023 |
|---|
| Lot Area | 22,100 sqft (0.507 acres) |
|---|
| Street Address | 405 SPRUCE LN |
|---|---|
| City | CAVALIER |
| State | ND |
| Zip | 58220-4432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 14 THE PINES |
| Legal Subdivision | THE PINES |
| Legal Lot Number | 14 |
| Jurisdiction | PEMBINA ND |
| Township / Civil Division | CAVALIER |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 950600 |
Source: Pembina County records, as of April 10, 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 | 405 SPRUCE LN, CAVALIER, ND 58220-4432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2010 | Deed of Trust, Mortgage · Conventional Mortgage UNITED VALLEY BANK |
| Feb 6, 2008 | Deed of Trust, Mortgage · Construction Mortgage UNITED VALLEY BANK |
| May 25, 2012 | Deed of Trust, Mortgage · Conventional Mortgage UNITED VALLEY BANK |
| Jan 9, 2025 | Deed of Trust, Mortgage · Line of Credit FARM CREDIT EMPLOYEES FCU |
| Jul 9, 2010 | Deed of Trust, Mortgage · Line of Credit FARM CREDIT EMPLOYEES FCU |
| Jun 22, 2010 | Deed of Trust, Mortgage · Conventional Mortgage UNITED VALLEY BANK |
| Oct 4, 2007 | Deed of Trust, Mortgage · Conventional Mortgage UNITED VALLEY BANK |
| Mar 19, 2007 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2007 |
| Deed Sale | Mar 19, 2007 |
| Deed Document Number | 2007232875 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEMBINA ND |
| Property Address | 405 SPRUCE LN, CAVALIER, ND 58220-4432 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000239396 |
|---|---|
| Date | Jul 28, 2010 |
| Instrument | 239396 |
| Name | UNITED VALLEY BANK |
|---|---|
| Type | Bank |
| Address | GRAND FORKS, ND 58203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEMBINA ND |
| Property Address | 405 SPRUCE LN, CAVALIER, ND 58220-4432 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000234745 |
|---|---|
| Date | Feb 6, 2008 |
| Instrument | 234745 |
| Name | UNITED VALLEY BANK |
|---|---|
| Type | Bank |
| Address | CAVALIER, ND 58220 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 8 Months |
| Due | Oct 1, 2008 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEMBINA ND |
| Property Address | 405 SPRUCE LN, CAVALIER, ND 58220-4432 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000242944 |
|---|---|
| Date | May 25, 2012 |
| Instrument | 242944 |
| Name | UNITED VALLEY BANK |
|---|---|
| Type | Bank |
| Address | CAVALIER, ND 58220 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEMBINA ND |
| Property Address | 405 SPRUCE LN, CAVALIER, ND 58220-4432 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000264782 |
|---|---|
| Date | Jan 9, 2025 |
| Instrument | 264782 |
| Name | FARM CREDIT EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEMBINA ND |
| Property Address | 405 SPRUCE LN, CAVALIER, ND 58220-4432 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000239301 |
|---|---|
| Date | Jul 9, 2010 |
| Instrument | 239301 |
| Name | FARM CREDIT EMPLOYEES FCU |
|---|---|
| Address | SAINT PAUL, MN 55101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 204 Months |
| Due | Jul 8, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEMBINA ND |
| Property Address | 405 SPRUCE LN, CAVALIER, ND 58220-4432 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000239229 |
|---|---|
| Date | Jun 22, 2010 |
| Instrument | 239229 |
| Name | UNITED VALLEY BANK |
|---|---|
| Type | Bank |
| Address | GRAND FORKS, ND 58203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEMBINA ND |
| Property Address | 405 SPRUCE LN, CAVALIER, ND 58220-4432 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000233987 |
|---|---|
| Date | Oct 4, 2007 |
| Instrument | 233987 |
| Name | UNITED VALLEY BANK |
|---|---|
| Type | Bank |
| Address | CAVALIER, ND 58220 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PEMBINA ND |
| Recording Date | Mar 19, 2007 |
| Property Address | 405 SPRUCE LN, CAVALIER, ND 58220-4432 |
| Document Number | 0000232875 |
| Instrument Date | Mar 16, 2007 |
| Instrument | 232875 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 809 AVE, CAVALIER, ND 58220 |
Source: Pembina County assessment roll, as of April 10, 2026
| Type | Name |
|---|---|
| State | North Dakota |
| County | Pembina County |
| Municipality | Cavalier City |
| Unified School District | Cavalier Public School District 6 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,407.00 (-24.91%) | $171,540 (+3.97%) Land $10,428 Building $161,112 | $343,078 (+3.97%) Land $20,855 Building $322,223 |
| 2023 | $4,537.00 | $164,996 Land $10,030 Building $154,966 | $329,991 Land $20,060 Building $309,931 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CAVALIER serves 1,302 people · EPA ID ND3400170 |
|---|---|
| Water Source | Purchased groundwater from NORTHEAST RWD- NORTH VALLEY BRANCH |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Polar Telecommunications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures