7891 Lost River Rd, Horace, ND 58047 Property Records

Cass County property record for 7891 Lost River Rd, Horace, ND 58047

Property Summary

Property Type	Single Family Home
Details	4 bd · 1,148 sqft · built 2024
Lot Size	0.135 acres (5,924 sqft)
Owner	2 Individual Names on File
Last Sale	$354,334 (Oct 2025)
Tax Bill	$5,778 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jan 2025 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`15-2820-01450-000`

Property Details

APN / Parcel Number

Primary APN	`15-2820-01450-000`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Building Area	1,148 sqft Living Area
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Split Foyer
Lot Area	5,924 sqft
Garage Type	Attached
Garage Area	480 sqft

Location & Zoning

Street Address	7891 LOST RIVER RD
City	HORACE
State	ND
Zip	58047-9727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 5 BLOCK: 7 ADDITION: LOST RIVER 5TH ADDITION ADDITIONAL: LOST RIVER 5TH ADDN LT 5 BLK 7 **6-15-20 SPL FRM 15-2800-00420-030 PER PLAT DOC#1593391 FOR 2020
Legal Subdivision	LOST RIVER FIFTH ADDITION
Legal Block	7
Legal Lot Number	5
Jurisdiction	CASS ND
Township / Civil Division	HORACE
Census Block Group	1
Census Block	1024
Census Tract	40503

Owner

7891 Lost River Rd is owned and occupied by two individuals who acquired it in October 2025.

Source: Cass County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7891 LOST RIVER RD, HORACE, ND 58047-9727
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
Dec 12, 2022	Deed of Trust, Mortgage · Line of Credit CHOICE FINANCIAL GROUP
Jan 10, 2025	Deed of Trust, Mortgage · Commercial Mortgage BORDER BANK
Oct 13, 2025	Intrafamily Transfer, Transfer FM TITLE
Oct 9, 2025	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2025 · Amount on File
Deed Sale	Oct 9, 2025 · Amount on File
Deed Document Number	20251744610
Last Transfer Date	Oct 13, 2025
Transfer Doc	0001744798
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	7891 LOST RIVER RD, HORACE, ND 58047-9727
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	FM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001681467
Date	Dec 12, 2022
Instrument	1681467

Lender

Name	CHOICE FINANCIAL GROUP
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	18 Months
Due	Jun 1, 2024

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	7891 LOST RIVER RD, HORACE, ND 58047-9727
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001727425
Date	Jan 10, 2025
Instrument	1727425

Lender

Name	BORDER BANK
Type	Bank
Address	FARGO, ND 58106

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 10, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CASS ND
Recording Date	Oct 13, 2025
Property Address	7891 LOST RIVER RD, HORACE, ND 58047-9727
Document Number	0001744798
Instrument Date	Oct 13, 2025
Instrument	1744798
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	FM TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7891 LOST RIVER RD, HORACE, ND 58047-9727

October 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Oct 9, 2025
Property Address	7891 LOST RIVER RD, HORACE, ND 58047-9727
Document Number	0001744610
Instrument Date	Oct 6, 2025
Instrument	1744610
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 13, 2026
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
Address	7891 LOST RIVER RD, HORACE, ND 58047-9727

Mortgage

Document Number	0001744611
Date	Oct 9, 2025
Instrument	1744611

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 7891 Lost River Rd was $5,778, up 110.2% from the year before.

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	$5,778.00 (+110.19%)	$130,450 (+1,044.3%) Land $16,300 Building $114,150	$260,900 (+1,044.3%) Land $32,600 Building $228,300
2024	$2,749.00 (-1.68%)	$11,400 (-) Land $11,400	$22,800 (-) Land $22,800
2023	$2,796.00 (-2.17%)	$11,400 (-) Land $11,400	$22,800 (-) Land $22,800
2022	$2,858.00	$11,400 Land $11,400	$22,800 Land $22,800

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 7891 Lost River Rd 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
Nearby Flood Policies	9 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 7891 Lost River Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 53% of North Dakota
Wildfire Likelihood	0.04% 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	CITY OF HORACE serves 1,641 people · EPA ID ND0900488
Water Source	Purchased surface water from CASS RURAL WATER DISTRICT FARGO
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 46 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 · Fixed Wireless in parts of the area	2,000 / 1,000

May also be available: Verizon.

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