787 Riverbend Rd, Oxbow (Horace), ND 58047 Property Records

Cass County property record for 787 Riverbend Rd, Oxbow, ND 58047

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,643 sqft · built 2016
Lot Size	0.754 acres (32,876 sqft)
Owner	2 Individual Names on File
Last Sale	$1,437,500 (Jul 2025)
Tax Bill	$14,455 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`78-0020-00430-000`

Property Details

APN / Parcel Number

Primary APN	`78-0020-00430-000`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,643 sqft Living Area
Basement Area	1,800 sqft
Finished Basement	1,800 sqft
Unfinished Basement	1,800 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	32,876 sqft (0.754 acres)
Garage Type	Attached
Garage Area	1,747 sqft
Porch	Slab
Porch Area	422 sqft
Patio Area	850 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	787 RIVERBEND RD
City	OXBOW
State	ND
Zip	58047-5016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 8 BLOCK: 3 ADDITION: OXBOW 2ND ADDITION ADDITIONAL: LOT 8 BLK 3 OXBOW 2ND ADDN **12-23-14 ANNEXED TO OXBOW CITY FRM
Legal Subdivision	OXBOW SECOND ADDITION
Legal Block	3
Legal Lot Number	8
Jurisdiction	CASS ND
Township / Civil Division	OXBOW
Census Block Group	2
Census Block	2059
Census Tract	40600

Owner

787 Riverbend Rd is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	787 RIVERBEND RD, OXBOW, ND 58047-5016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 5, 2023	Deed of Trust, Mortgage · Line of Credit GATE CITY BANK
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2025 · Amount on File
Deed Sale	Jul 21, 2025 · Amount on File
Prior Sale	Jun 8, 2016 · Amount on File
Deed Document Number	20251738843
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	787 RIVERBEND RD, OXBOW, ND 58047-5016
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001682722
Date	Jan 5, 2023
Instrument	1682722

Lender

Name	GATE CITY BANK
Type	Bank
Address	FARGO, ND 58104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	118 Months
Due	Nov 21, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	787 RIVERBEND RD, OXBOW, ND 58047-5016
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	FM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001601192
Date	Aug 12, 2020
Instrument	1601192

Lender

Name	GATE CITY BANK
Type	Bank
Address	FARGO, ND 58102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 787 Riverbend Rd was $14,455.

Source: Cass County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	North Dakota
County	Cass County
Municipality	Oxbow City
Unified School District	Kindred Public School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,455.00	$714,250 Land $103,850 Building $610,400	$1,428,500 Land $207,700 Building $1,220,800
2023	$14,403.00	$667,300 Land $94,400 Building $572,900	$1,334,600 Land $188,800 Building $1,145,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 787 Riverbend Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	195 (1978–2013)
Claims Outside the SFHA	42 of 195
Most Recent Claim	May 2013 · Flooding
Claims by Event	Flooding, May 2013 · 51 claims Severe Storms And Flooding, Jun 2009 · 68 claims Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, Apr 1997 · 48 claims

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 787 Riverbend Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 90% of North Dakota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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-PHASE I private · serves 3,658 people · EPA ID ND0901060
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 250

May also be available: Verizon.

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