6897 Thomas St, Horace, ND 58047 Property Records

Cass County property record for 6897 Thomas St, Horace, ND 58047

Property Summary

Property Type	Single Family Home
Details	3 bd · 802 sqft · built 2023
Lot Size	0.148 acres (6,490 sqft)
Owner	Individual Name on File
Last Sale	$273,205 (Mar 2024)
Tax Bill	$3,880 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Jul 2022 Sale & Construction Loan
Flood Zone	Zone X (reduced by levee)
APN	`15-1115-01230-000`

Property Details

APN / Parcel Number

Primary APN	`15-1115-01230-000`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Building Area	802 sqft Living Area
Basement Area	700 sqft
Unfinished Basement	700 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Split Foyer
Lot Area	6,490 sqft
Garage Type	Attached
Garage Area	460 sqft

Location & Zoning

Street Address	6897 THOMAS ST
City	HORACE
State	ND
Zip	58047-9591
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 17 BLOCK: 7 ADDITION: SOUTHDALE FARMS 3RD ADDITION ADDITIONAL: SOUTHDALE FARMS 3RD ADDN LT 17 BLK 7 **4-9-21
Legal Subdivision	SOUTHDALE FARMS THIRD ADDITION
Legal Block	7
Legal Lot Number	17
Jurisdiction	CASS ND
Township / Civil Division	HORACE
Census Block Group	2
Census Block	2005
Census Tract	40503

Owner

6897 Thomas St is owned and occupied by an individual who bought it in March 2024.

Source: Cass County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	6897 THOMAS ST, HORACE, ND 58047-9591
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
Mar 28, 2024	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Jul 5, 2022	Warranty Deed, Construction Loan · Construction Mortgage CHOICE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2024 · Amount on File
Deed Sale	Mar 28, 2024 · Amount on File
Prior Sale	Jul 5, 2022 · Amount on File
Deed Document Number	20241708600
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Mar 28, 2024
Property Address	6897 THOMAS ST, HORACE, ND 58047-9591
Document Number	0001708600
Instrument Date	Mar 28, 2024
Instrument	1708600
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	6897 THOMAS ST, HORACE, ND 58047-9591
Investor	Possibly a Property Investor

Mortgage

Document Number	0001708601
Date	Mar 28, 2024
Instrument	1708601

Lender

Name	BELL BANK
Type	Bank

Agreement

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

July 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Jul 5, 2022
Property Address	6897 THOMAS ST, HORACE, ND 58047-9591
Document Number	0001669748
Instrument Date	Jun 30, 2022
Instrument	1669748
Transaction Type	Construction Loan
Record Updated	Apr 13, 2026
Title Company	PLAINS TITLE LLC

Transaction

Amount	Amount 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
Investor	Possibly a Property Investor

Mortgage

Document Number	0001669749
Date	Jul 5, 2022
Instrument	1669749

Lender

Name	CHOICE FINANCIAL GROUP
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	17 Months
Due	Dec 21, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 6897 Thomas St was $3,880.

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	$3,880.00	$68,600 Land $25,050 Building $43,550	$137,200 Land $50,100 Building $87,100
2023	$3,876.00 (+581.2%)	$17,550 (-) Land $17,550	$35,100 (-) Land $35,100
2022	$569.00	$17,550 Land $17,550	$35,100 Land $35,100

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 6897 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 6897 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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