649 Evergreen Cir, Oxbow (Horace), ND 58047 Property Records

Cass County property record for 649 Evergreen Cir, Oxbow, ND 58047

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,622 sqft · built 2001
Lot Size	0.55 acres (24,111 sqft)
Owner	2 Individual Names on File
Last Sale	$298,000 (Jul 2016)
Tax Bill	$3,626 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`78-0010-01540-000`

Property Details

APN / Parcel Number

Primary APN	`78-0010-01540-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Building Area	1,622 sqft Living Area
Basement Area	1,350 sqft
Finished Basement	1,350 sqft
Unfinished Basement	1,350 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	24,111 sqft (0.55 acres)
Garage Type	Attached
Garage Area	744 sqft
Deck Area	224 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	649 EVERGREEN CIR
City	OXBOW
State	ND
Zip	58047-5009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 154 BLOCK: 0 ADDITION: OXBOW COUNTRY CLUB & ESTATES ADDITIONAL: OXBOW COUNTRY CLUB & ESTATES LOT 154
Legal Subdivision	COUNTRY CLUB
Legal Lot Number	154
Jurisdiction	CASS ND
Township / Civil Division	OXBOW
Census Block Group	2
Census Block	2065
Census Tract	40600

Owner

649 Evergreen Cir is owned and occupied by two individuals who bought it in July 2016.

Source: Cass County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	649 EVERGREEN CIR, OXBOW, ND 58047-5009
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
Aug 23, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWN & COUNTRY CU
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWN & COUNTRY CU
Jun 21, 2019	Deed of Trust, Mortgage TOWN & CNTRY CU
Dec 28, 2017	Deed of Trust, Mortgage TOWN & CNTRY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2016 · Amount on File
Deed Sale	Jul 29, 2016 · Amount on File
Prior Sale	Nov 4, 2014 · Amount on File
Deed Document Number	20161484791
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	649 EVERGREEN CIR, OXBOW, ND 58047-5009
Transaction Type	Mortgage
Record Updated	Sep 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001695938
Date	Aug 23, 2023
Instrument	1695938

Lender

Name	TOWN & COUNTRY CU
Type	Credit Union
Address	FARGO, ND 58103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	73 Months
Due	Sep 1, 2029

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	649 EVERGREEN CIR, OXBOW, ND 58047-5009
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	PLAINS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001622189
Date	Feb 12, 2021
Instrument	1622189

Lender

Name	TOWN & COUNTRY CU
Type	Credit Union
Address	FARGO, ND 58104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2046

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	649 EVERGREEN CIR, OXBOW, ND 58047-5009
Document Number	0001565195
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	649 EVERGREEN CIR OXBOW ND 580475009, OXBOW, ND 58047-5009

Mortgage

Document Number	0001565195
Date	Jun 26, 2019
Instrument	1565195

Lender

Name	TOWN & CNTRY CU
Type	Credit Union
Address	WEST FARGO, ND 58078

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jun 25, 2024

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	649 EVERGREEN CIR, OXBOW, ND 58047-5009
Document Number	0001529141
Instrument Date	Dec 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	649 EVERGREEN CIR OXBOW ND 580475009, OXBOW, ND 58047-5009

Mortgage

Document Number	0001529141
Date	Jan 5, 2018
Instrument	1529141

Lender

Name	TOWN & CNTRY CU
Type	Credit Union
Address	FARGO, ND 58104

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jan 4, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 649 Evergreen Cir was $3,626.

Source: Cass County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	North Dakota
County	Cass County
Municipality	Oxbow City
Unified School District	Kindred Public School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,626.00	$220,850 Land $28,050 Building $192,800	$441,700 Land $56,100 Building $385,600
2023	$4,377.00	$190,700 Land $16,850 Building $173,850	$381,400 Land $33,700 Building $347,700

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

Flood

FEMA maps place 649 Evergreen Cir in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	195 (1978–2013)
Claims Outside the SFHA	42 of 195
Most Recent Claim	May 2013 · Flooding
Claims by Event	Flooding, May 2013 · 51 claims Severe Storms And Flooding, Jun 2009 · 68 claims Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, Apr 1997 · 48 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

Wildfire risk around 649 Evergreen Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 90% 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 OXBOW serves 305 people · EPA ID ND0901363
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	CASS RURAL WATER DISTRICT FARGO
Lead	Under 1 ppb (2022–2024) 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fixed Wireless in parts of the area	1,250 / 250
Verizon Fixed Wireless	300 / 20

May also be available: MLGC.

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