6838 Thomas St, Horace, ND 58047 Property Records

Cass County property record for 6838 Thomas St, Horace, ND 58047

Property Summary

Property Type	Single Family Home
Details	3 bd · 810 sqft · built 2024
Lot Size	0.117 acres (5,140 sqft)
Owner	Individual Name on File
Last Sale	$279,800 (Oct 2024)
Tax Bill	$5,378 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Oct 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`15-1115-00800-000`

Property Details

APN / Parcel Number

Primary APN	`15-1115-00800-000`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Building Area	810 sqft Living Area
Basement Area	700 sqft
Unfinished Basement	700 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Split Foyer
Lot Area	5,140 sqft
Garage Type	Attached
Garage Area	452 sqft

Location & Zoning

Street Address	6838 THOMAS ST
City	HORACE
State	ND
Zip	58047-9588
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 6 BLOCK: 6 ADDITION: SOUTHDALE FARMS 3RD ADDITION ADDITIONAL: SOUTHDALE FARMS 3RD ADDN LT 6 BLK 6 **4-9-21 PLATTED/SPLIT FRM 15-0200-10001-010, 10007-080 & 10007-100 PER PLAT DOC#1628490 FOR 2021
Legal Block	6
Legal Lot Number	6
Jurisdiction	CASS ND
Township / Civil Division	HORACE
Census Block Group	2
Census Block	2005
Census Tract	40503

Owner

6838 Thomas St is owned and occupied by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	6838 THOMAS ST, HORACE, ND 58047-9588
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
Jan 13, 2022	Deed of Trust, Mortgage · Line of Credit CHOICE FINANCIAL GROUP
Oct 30, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU
Jul 31, 2024	Warranty Deed, Construction Loan · Construction Mortgage CHOICE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2024 · Amount on File
Deed Sale	Oct 30, 2024 · Amount on File
Deed Document Number	20241722931
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	6838 THOMAS ST, HORACE, ND 58047-9588
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001656626
Date	Jan 13, 2022
Instrument	1656626

Lender

Name	CHOICE FINANCIAL GROUP
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	18 Months
Due	Jul 3, 2023

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Oct 30, 2024
Property Address	6838 THOMAS ST, HORACE, ND 58047-9588
Document Number	0001722931
Instrument Date	Oct 30, 2024
Instrument	1722931
Transaction Type	Transfer
Record Updated	Apr 13, 2026

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	6838 THOMAS ST, HORACE, ND 58047-9588

Mortgage

Document Number	0001722933
Date	Oct 30, 2024
Instrument	1722933

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

Mortgage

Document Number	0001722934
Date	Oct 30, 2024
Instrument	1722934

Lender

Name	NORTH DAKOTA HOUSING FINANCE AGENCY
Type	Government Agency
Address	BISMARCK, ND 58502

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

July 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jul 31, 2024
Property Address	6838 THOMAS ST, HORACE, ND 58047-9588
Document Number	0001716800
Instrument Date	Jul 31, 2024
Instrument	1716800
Transaction Type	Construction Loan
Record Updated	Apr 13, 2026
Title Company	THE TITLE TEAM

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5302 51ST AVE S STE A, A, FARGO, ND 58104-5009
Investor	Possibly a Property Investor

Mortgage

Document Number	0001716801
Date	Jul 31, 2024
Instrument	1716801

Lender

Name	CHOICE FINANCIAL GROUP
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	18 Months
Due	Jan 13, 2026

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0001716809
Date	Jul 31, 2024
Instrument	1716809

Lender

Name	CHOICE FINANCIAL GROUP
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	19 Months
Due	Jan 31, 2026

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 6838 Thomas St was $5,378.

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	$5,378.00	$68,950 Land $19,900 Building $49,050	$137,900 Land $39,800 Building $98,100
2023	$3,675.00	$13,900 Land $13,900	$27,800 Land $27,800

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 6838 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 6838 Thomas St is moderate, ranking above 42% 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 42% of the US · above 64% 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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Dickey Rural Telephone Cooperative Fiber	2,500 / 2,500
Midco Cable · Fiber, Fixed Wireless in parts of the area	1,250 / 250
Sparklight Fiber	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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