720 2nd Ave, Horace, ND 58047 Property Records

Cass County property record for 720 2nd Ave, Horace, ND 58047

Property Summary

Property Type	Other Improved
Details	3 bd · 1,792 sqft · built 2022
Lot Size	0.146 acres (6,372 sqft)
Owner	2 Individual Names on File
Last Sale	$285,900 (May 2023)
Tax Bill	$3,514 (2025)
Deeds & Mortgages	Feb 2023 Construction Loan May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`15-2950-00570-000`

Property Details

APN / Parcel Number

Primary APN	`15-2950-00570-000`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Building Area	1,792 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Lot Area	6,372 sqft (0.146 acres)
Garage Type	Attached
Garage Area	418 sqft

Location & Zoning

Street Address	720 2ND AVE
City	HORACE
State	ND
Zip	58047-5503
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT: 26 BLOCK: 3 ADDITION: TERRA GARDENS ADDITION ADDITIONAL: TERRA GARDENS ADDITION LT 26 BLK 3 **9-20-18 REPLAT OF
Legal Block	3
Legal Lot Number	26
Jurisdiction	CASS ND
Township / Civil Division	HORACE
Census Block Group	2
Census Block	2016
Census Tract	40503

Owner

720 2nd Ave is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	720 2ND AVE, HORACE, ND 58047-5503
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
Feb 17, 2023	Deed of Trust, Mortgage · Construction Mortgage BELL BANK
May 11, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage TOWN & COUNTRY CU
May 18, 2020	Deed of Trust, Construction Loan · Line of Credit CENTRAL MN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2023 · Amount on File
Deed Sale	May 11, 2023 · Amount on File
Prior Sale	Oct 7, 2019 · Amount on File
Deed Document Number	20231688888
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	720 2ND AVE, HORACE, ND 58047-5503
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001684642
Date	Feb 17, 2023
Instrument	1684642

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58106

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 13, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	May 11, 2023
Property Address	720 2ND AVE, HORACE, ND 58047-5503
Document Number	0001688888
Instrument Date	May 5, 2023
Instrument	1688888
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 26, 2024
Title Company	FM TITLE

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
Relationship	Joint Tenants
Address	720 2ND AVE, HORACE, ND 58047-5503

Mortgage

Document Number	0001688889
Date	May 11, 2023
Instrument	1688889

Lender

Name	TOWN & COUNTRY CU
Type	Credit Union

Agreement

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

May 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CASS ND
Recording Date	May 18, 2020
Property Address	720 2ND AVE, HORACE, ND 58047-5503
Document Number	0001590813
Instrument Date	May 15, 2020
Instrument	1590813
Transaction Type	Construction Loan
Record Updated	Jun 10, 2020
Title Company	FM TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	TERRA GDNS HORACE ND 58047, HORACE, ND 58047

Mortgage

Document Number	0001590813
Date	May 18, 2020
Instrument	1590813

Lender

Name	CENTRAL MN CU
Address	MELROSE, MN 56352

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	May 17, 2021

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 720 2nd Ave was $3,514.

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	$3,514.00	$86,500 Land $21,400 Building $65,100	$173,000 Land $42,800 Building $130,200
2023	$6,783.00 (+96.84%)	$154,200 (+928%) Land $21,400 Building $132,800	$308,400 (+928%) Land $42,800 Building $265,600
2022	$3,446.00	$15,000 Land $15,000	$30,000 Land $30,000

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 720 2nd Ave in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 720 2nd Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 80% of North Dakota
Wildfire Likelihood	0.02% 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 216 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 in parts of the area	2,000 / 1,000
Sparklight Fiber	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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