6892 Thomas St, Horace, ND 58047 Property Records

Cass County property record for 6892 Thomas St, Horace, ND 58047

Property Summary

Property Type	Single Family Home
Details	4 bd · 1,510 sqft · built 2022
Lot Size	0.117 acres (5,140 sqft)
Owner	Individual Name on File
Last Sale	$229,680 (Apr 2022)
Tax Bill	$6,319 (2025)
Deeds & Mortgages	May 2022 Construction Loan Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`15-1115-00890-000`

Property Details

APN / Parcel Number

Primary APN	`15-1115-00890-000`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Building Area	1,510 sqft Living Area
Basement Area	575 sqft
Unfinished Basement	575 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Split Foyer
Lot Area	5,140 sqft
Garage Type	Attached
Garage Area	504 sqft

Location & Zoning

Street Address	6892 THOMAS ST
City	HORACE
State	ND
Zip	58047-9588
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 15 BLOCK: 6 ADDITION: SOUTHDALE FARMS 3RD ADDITION ADDITIONAL: SOUTHDALE FARMS 3RD ADDN LT 15 BLK 6 **4-9-21
Legal Subdivision	SOUTHDALE FARMS FIRST ADDITION
Legal Block	6
Legal Lot Number	15
Jurisdiction	CASS ND
Township / Civil Division	HORACE
Census Block Group	2
Census Block	2005
Census Tract	40503

Owner

6892 Thomas St is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	6892 THOMAS ST, HORACE, ND 58047-9588
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
May 31, 2022	Deed of Trust, Mortgage · Construction Mortgage CHOICE FINANCIAL GROUP
Jun 2, 2023	Warranty Deed, Transfer · FHA Mortgage NATIONS LENDING CORP
Apr 1, 2022	Warranty Deed, Transfer · Line of Credit CHOICE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2022 · Amount on File
Deed Sale	Apr 1, 2022 · Amount on File
Deed Document Number	20221662018
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	6892 THOMAS ST, HORACE, ND 58047-9588
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001666469
Date	May 31, 2022
Instrument	1666469

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	Dec 1, 2023

Interest

Rate Type	Adjustable Rate

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jun 2, 2023
Property Address	6892 THOMAS ST, HORACE, ND 58047-9588
Document Number	0001690202
Instrument Date	Jun 1, 2023
Instrument	1690202
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	6892 THOMAS ST, HORACE, ND 58047-9588

Mortgage

Document Number	0001690203
Date	Jun 2, 2023
Instrument	1690203

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Apr 1, 2022
Property Address	6892 THOMAS ST, HORACE, ND 58047-9588
Document Number	0001662018
Instrument Date	Apr 1, 2022
Instrument	1662018
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	5302 51ST AVE S, FARGO, ND 58104-5008

Mortgage

Document Number	0001662019
Date	Apr 1, 2022
Instrument	1662019

Lender

Name	CHOICE FINANCIAL GROUP
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	18 Months
Due	Oct 1, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 6892 Thomas St was $6,319.

Source: Cass County assessment roll, as of April 13, 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	$6,319.00	$104,900 Land $19,900 Building $85,000	$209,800 Land $39,800 Building $170,000
2023	$4,782.00 (+919.62%)	$58,850 (+323.38%) Land $19,900 Building $38,950	$117,700 (+323.38%) Land $39,800 Building $77,900
2022	$469.00	$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 6892 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 6892 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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