538 4th Ave, Saint Thomas, ND 58276 Property Records

Pembina County property record for 538 4th Ave, Saint Thomas, ND 58276

Property Summary

Property Type	Single Family Home
Lot Size	0.32 acres (13,970 sqft)
Owner	2 Individual Names on Record
Tax Bill	$531 (2023)
Deeds & Mortgages	Oct 2024 Line of Credit Nov 2014 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`34-2100010`

Property Details

APN / Parcel Number

Primary APN	`34-2100010`

Exterior

Lot Area	13,970 sqft (0.32 acres)

Location & Zoning

Street Address	538 4TH AVE
City	SAINT THOMAS
State	ND
Zip	58276-4008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 9-12, BLK 43 O T CITY OF ST THOMAS
Legal Subdivision	CITY OF ST THOMAS
Legal Block	43
Legal Lot Number	9-12
Jurisdiction	PEMBINA ND
Township / Civil Division	ST. THOMAS
Census Block Group	1
Census Block	1355
Census Tract	950500

Owner

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	538 4TH AVE, SAINT THOMAS, ND 58276-4008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2024	Deed of Trust, Mortgage · Line of Credit BREMER BANK NA
Nov 26, 2014	Deed of Trust, Mortgage · Line of Credit BREMER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEMBINA ND
Property Address	538 4TH AVE, SAINT THOMAS, ND 58276-4008
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 4TH AVE, SAINT THOMAS, ND 58276-4008
Investor	Possibly a Property Investor

Mortgage

Document Number	0000264457
Date	Oct 18, 2024
Instrument	264457

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 25, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEMBINA ND
Property Address	538 4TH AVE, SAINT THOMAS, ND 58276-4008
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000247793
Date	Nov 26, 2014
Instrument	247793

Lender

Name	BREMER BANK NA
Type	Bank
Address	GRAND FORKS, ND 58201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Pembina County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	North Dakota
County	Pembina County
Municipality	St. Thomas City
Unified School District	Grafton Public School District 18 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$27,453 (+9.94%) Land $2,009 Building $25,444	$54,907 (+9.94%) Land $4,018 Building $50,889
2023	$531.00	$24,972 Land $1,932 Building $23,040	$49,944 Land $3,865 Building $46,079

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

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	69 (1978–2019)
Claims Outside the SFHA	6 of 69
Most Recent Claim	Apr 2019 · Flooding
Claims by Event	Severe Storms And Flooding, Apr 2009 · 6 claims Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, Apr 1997 · 33 claims Severe Storms,flooding, & Ice Jams, May 1996 · 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 98% of the US · lower than 93% 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 ST THOMAS serves 331 people · EPA ID ND3400856
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

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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