643 3rd Ave E, West Fargo, ND 58078 Property Records

Cass County property record for 643 3rd Ave E, West Fargo, ND 58078

Property Summary

Property Type	Other Improved
Details	4 bd · 2 ba · 1,008 sqft · built 1971
Lot Size	0.215 acres (9,365 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jul 2023)
Tax Bill	$2,218 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`02-1400-00760-000`

Property Details

APN / Parcel Number

Primary APN	`02-1400-00760-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Basement Area	756 sqft
Unfinished Basement	756 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Frame
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	130 ft deep x 72 ft wide
Garage Type	Detached
Garage Area	1,200 sqft
Patio Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	643 3RD AVE E
City	WEST FARGO
State	ND
Zip	58078-1910
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT: 7 BLOCK: 4 ADDITION: MEYERS 1ST ADDITIONAL: MEYERS 1ST CORRECTIVE PLAT LOT 7 BLK 4
Legal Subdivision	MEYERS FIRST ADDITION
Legal Block	4
Legal Lot Number	7
Jurisdiction	CASS ND
Township / Civil Division	WEST FARGO
Census Block Group	3
Census Block	3026
Census Tract	10206

Owner

643 3rd Ave E is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	643 3RD AVE E, WEST FARGO, ND 58078-1910
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 28, 2023	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CU
Jun 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage WESTERN STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2023 · Amount on File
Deed Sale	Jul 28, 2023 · Amount on File
Prior Sale	Sep 18, 2009 · Amount on File
Deed Document Number	20231694139
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	643 3RD AVE E, WEST FARGO, ND 58078-1910
Transaction Type	Mortgage
Record Updated	Apr 26, 2024
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001674362
Date	Sep 1, 2022
Instrument	1674362

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2037

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jul 28, 2023
Property Address	643 3RD AVE E, WEST FARGO, ND 58078-1910
Document Number	0001694139
Instrument Date	Jul 27, 2023
Instrument	1694139
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	PLAINS TITLE LLC

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
Address	643 3RD AVE E, WEST FARGO, ND 58078-1910

Mortgage

Document Number	0001694141
Date	Jul 28, 2023
Instrument	1694141

Lender

Name	CAPITAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	643 3RD AVE E, WEST FARGO, ND 58078-1910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001513940
Date	Jun 28, 2017
Instrument	1513940

Lender

Name	WESTERN STATE BANK
Type	Bank
Address	WEST FARGO, ND 58078

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 643 3rd Ave E was $2,218.

Source: Cass County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	North Dakota
County	Cass County
Municipality	West Fargo City
Unified School District	West Fargo Public School District 6 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,218.00	$133,150 Land $25,200 Building $107,950	$266,300 Land $50,400 Building $215,900
2023	$3,175.00 (+3.79%)	$115,150 (+9.2%) Land $19,800 Building $95,350	$230,300 (+9.2%) Land $39,600 Building $190,700
2022	$3,059.00	$105,450 Land $19,800 Building $85,650	$210,900 Land $39,600 Building $171,300

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

FEMA maps place 643 3rd Ave E in Zone X, where a levee reduces flood risk.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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.

Wildfire

The area around 643 3rd Ave E has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WEST FARGO serves 34,858 people · EPA ID ND0900999
Water Source	Purchased surface water from CITY OF FARGO
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) 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 421 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · 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: Fidium Fiber.

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