6589 Thomas St, Horace, ND 58047 Property Records

Cass County property record for 6589 Thomas St, Horace, ND 58047

Property Summary

Property Type	Single Family Home
Details	3 bd · 901 sqft · built 2024
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on File
Last Sale	$274,368 (Sep 2024)
Tax Bill	$5,555 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Apr 2024 Transfer + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`15-1120-01960-000`

Property Details

APN / Parcel Number

Primary APN	`15-1120-01960-000`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Building Area	901 sqft Living Area
Basement Area	810 sqft
Unfinished Basement	810 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Split Foyer
Lot Area	5,489 sqft
Garage Type	Attached
Garage Area	624 sqft

Location & Zoning

Street Address	6589 THOMAS ST
City	HORACE
State	ND
Zip	58047-6602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 20 BLOCK: 10 ADDITION: SOUTHDALE FARMS 4TH ADDITION ADDITIONAL: SOUTHDALE FARMS 4TH ADDN LT 20 BLK 10 **5-31-22 PLATTED/SPL FRM 15-0200-10001-020, 10001-107, 10001-109, 10007-103, 10007-105 PER PLAT DOC#1666490 FOR 2022
Legal Block	10
Legal Lot Number	20
Jurisdiction	CASS ND
Township / Civil Division	HORACE
Census Block Group	2
Census Block	2005
Census Tract	40503

Owner

6589 Thomas St is owned and occupied by two individuals who bought it in September 2024.

Source: Cass County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6589 THOMAS ST, HORACE, ND 58047-6602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 16, 2024	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH LABORATORY INC
Apr 30, 2024	Quit Claim Deed, Transfer TITLE COMPANY RESIDENTIAL
Apr 4, 2024	Warranty Deed, Subdivision Related Transfer TITLE COMPANY RESIDENTIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2024 · Amount on File
Deed Sale	Sep 16, 2024 · Amount on File
Prior Sale	Apr 4, 2024 · Amount on File
Deed Document Number	20241720084
Record Updated	Oct 29, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Sep 16, 2024
Property Address	6589 THOMAS ST, HORACE, ND 58047-6602
Document Number	0001720084
Instrument Date	Sep 16, 2024
Instrument	1720084
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	TITLE COMPANY RESIDENTIAL

Transaction

Amount	Amount 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
Relationship	Joint Tenants
Address	6589 THOMAS ST, HORACE, ND 58047-6602

Mortgage

Document Number	0001720085
Date	Sep 16, 2024
Instrument	1720085

Lender

Name	MORTGAGE RESEARCH LABORATORY INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CASS ND
Recording Date	Apr 30, 2024
Property Address	6589 THOMAS ST, HORACE, ND 58047-6602
Document Number	0001710486
Instrument Date	Apr 23, 2024
Instrument	1710486
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	TITLE COMPANY RESIDENTIAL

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2521 UNIVERSITY DR S, FARGO, ND 58103-5736
Investor	Possibly a Property Investor

April 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Apr 4, 2024
Property Address	6589 THOMAS ST, HORACE, ND 58047-6602
Document Number	0001708987
Instrument Date	Apr 4, 2024
Instrument	1708987
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 13, 2026
Title Company	TITLE COMPANY RESIDENTIAL

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2521 UNIVERSITY DR S, FARGO, ND 58103-5736
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 6589 Thomas St was $5,555.

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

Property Jurisdictions

Type	Name
State	North Dakota
County	Cass County
Municipality	Horace 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	$5,555.00	$67,750 Land $21,350 Building $46,400	$135,500 Land $42,700 Building $92,800
2023	$519.00 (+413.86%)	$14,950 (+4,883.33%) Land $14,950	$29,900 (+4,883.33%) Land $29,900
2022	$101.00	$300 Land $300	$600 Land $600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 6589 Thomas St 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
Flood Insurance Cost	Premium on File median of 28 policies
Nearby Flood Policies	28 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

Wildfire risk around 6589 Thomas St is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 59% of North Dakota
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	CASS RURAL WATER DISTRICT FARGO private · serves 4,242 people · EPA ID ND0901483
Water Source	Purchased surface water from CITY OF FARGO
Last State Inspection	Oct 2024
Also Mapped Here	CASS RURAL WATER DISTRICT-PHASE I, CASS RURAL WATER DISTRICT-PHASE II, CASS RURAL WATER DISTRICT-PHASE III
Lead	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
CenturyLink Fiber	1,000 / 1,000
Sparklight Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Dickey Rural Telephone Cooperative.

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