417 Prospect Ave, Gilby, ND 58235 Property Records

Grand Forks County property record for 417 Prospect Ave, Gilby, ND 58235

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,639 sqft · built 1959
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,726 (Mar 2026)
Tax Bill	$219 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43290100018000`

Property Details

APN / Parcel Number

Primary APN	`43290100018000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,639 sqft Living Area
1st Floor Area	1,311 sqft
Basement Area	1,311 sqft
Finished Basement	1,311 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Attached

Location & Zoning

Street Address	417 PROSPECT AVE
City	GILBY
State	ND
Zip	58235-3536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUB: 432901 BLK: 15 LOT: 8,9 SCOTTS ADD N1/2L8&ALL L9 B15
Legal Subdivision	SCOTTS ADDITION
Legal Block	15
Legal Lot Number	8,9
Jurisdiction	GRAND FORKS ND
Township / Civil Division	GILBY
Census Block Group	1
Census Block	1301
Census Tract	11400

Owner

Source: Grand Forks County records, as of June 30, 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	417 PROSPECT AVE, GILBY, ND 58235-3536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Deed of Trust, Mortgage · FHA Mortgage WINTRUST MORTGAGE
Jul 30, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage AMERICAN FEDERAL BANK
Oct 17, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on Record
Deed Sale	Mar 13, 2026 · Amount on Record
Prior Sale	Jul 30, 2021 · Amount on Record
Deed Document Number	2026854926
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAND FORKS ND
Property Address	417 PROSPECT AVE, GILBY, ND 58235-3536
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000854927
Date	Mar 13, 2026
Instrument	854927

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAND FORKS ND
Recording Date	Jul 30, 2021
Property Address	417 PROSPECT AVE, GILBY, ND 58235-3536
Document Number	817445
Instrument Date	Jul 29, 2021
Instrument	817445
Transaction Type	Transfer
Record Updated	Aug 25, 2021

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	417 PROSPECT AVE, GILBY, ND 58235-3536

Mortgage

Document Number	817446
Date	Jul 30, 2021
Instrument	817446

Lender

Name	AMERICAN FEDERAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAND FORKS ND
Property Address	417 PROSPECT AVE, GILBY, ND 58235-3536
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	796248
Date	Oct 17, 2019
Instrument	796248

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

Tax Assessment & Valuation

Source: Grand Forks County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	North Dakota
County	Grand Forks County
Municipality	Gilby City
Unified School District	Midway Public School District 128 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$219.00 (-87.23%)	$89,750 (+7.49%) Land $4,050 Building $85,700	$179,500 (+7.49%) Land $8,100 Building $171,400
2023	$1,715.00	$83,500 Land $2,800 Building $80,700	$167,000 Land $5,600 Building $161,400

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 March 23, 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	2 in force
Nearby Flood Claims	7 (1997–2022)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Apr 2022 · Severe Winter Storm And Flooding
Claims by Event	Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, Apr 1997 · 4 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	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	AGASSIZ WATER USERS DISTRICT private · serves 3,438 people · EPA ID ND1801056
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Polar Telecommunications Fiber	1,000 / 1,000
Midco Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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