6898 Thomas St, Horace, ND 58047 Property Records

Cass County property record for 6898 Thomas St, Horace, ND 58047

Property Summary

Property Type	Single Family Home
Details	3 bd · 914 sqft · built 2022
Lot Size	0.155 acres (6,752 sqft)
Owner	Individual Name on File
Last Sale	$286,721 (Nov 2022)
Tax Bill	$7,706 (2025)
Deeds & Mortgages	May 2022 Construction Loan Nov 2022 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`15-1115-00900-000`

Property Details

APN / Parcel Number

Primary APN	`15-1115-00900-000`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Building Area	914 sqft Living Area
Basement Area	820 sqft
Unfinished Basement	820 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Split Foyer
Lot Area	6,752 sqft
Garage Type	Attached
Garage Area	460 sqft

Location & Zoning

Street Address	6898 THOMAS ST
City	HORACE
State	ND
Zip	58047-9588
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 16 BLOCK: 6 ADDITION: SOUTHDALE FARMS 3RD ADDITION ADDITIONAL: SOUTHDALE FARMS 3RD ADDN LT 16 BLK 6 **4-9-21
Legal Subdivision	SOUTHDALE FARMS THIRD ADDITION
Legal Block	6
Legal Lot Number	16
Jurisdiction	CASS ND
Township / Civil Division	HORACE
Census Block Group	2
Census Block	2005
Census Tract	40503

Owner

6898 Thomas St is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	6898 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
May 31, 2022	Deed of Trust, Mortgage · Construction Mortgage CHOICE FINANCIAL GROUP
Nov 29, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST WESTERN BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2022 · Amount on File
Deed Sale	Nov 29, 2022 · Amount on File
Deed Document Number	20221680531
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	6898 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

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Nov 29, 2022
Property Address	6898 THOMAS ST, HORACE, ND 58047-9588
Document Number	0001680531
Instrument Date	Nov 28, 2022
Instrument	1680531
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	6898 THOMAS ST, HORACE, ND 58047-9588
Investor	Possibly a Property Investor

Mortgage

Document Number	0001680532
Date	Nov 29, 2022
Instrument	1680532

Lender

Name	FIRST WESTERN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 6898 Thomas St was $7,706.

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	$7,706.00	$152,800 Land $26,350 Building $126,450	$305,600 Land $52,700 Building $252,900
2023	$7,014.00	$144,400 Land $26,350 Building $118,050	$288,800 Land $52,700 Building $236,100

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

Flood

FEMA maps place 6898 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 6898 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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