7904 Lost River Rd, Horace, ND 58047 Property Records

Cass County property record for 7904 Lost River Rd, Horace, ND 58047

Property Summary

Property Type	Single Family Home
Details	4 bd · 1,094 sqft · built 2024
Lot Size	0.128 acres (5,619 sqft)
Owner	Individual Name on File
Last Sale	$365,409 (Feb 2025)
Tax Bill	$6,502 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Nov 2024 Construction Loan + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`15-2820-01330-000`

Property Details

APN / Parcel Number

Primary APN	`15-2820-01330-000`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Building Area	1,094 sqft Living Area
Basement Area	900 sqft
Unfinished Basement	900 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Split Foyer
Lot Area	5,619 sqft
Garage Type	Attached
Garage Area	480 sqft

Location & Zoning

Street Address	7904 LOST RIVER RD
City	HORACE
State	ND
Zip	58047-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 16 BLOCK: 6 ADDITION: LOST RIVER 5TH ADDITION ADDITIONAL: LOST RIVER 5TH ADDN LT 16 BLK 6 **6-15-20 SPL FRM 15-2800-00420-030 PER PLAT DOC#1593391 FOR 2020
Legal Block	6
Legal Lot Number	16
Jurisdiction	CASS ND
Township / Civil Division	HORACE
Census Block Group	1
Census Block	1024
Census Tract	40503

Owner

7904 Lost River Rd is owned and occupied by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	7904 LOST RIVER RD, HORACE, ND 58047-9722
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
Nov 4, 2024	Deed of Trust, Mortgage · Construction Mortgage BELL BANK
Feb 19, 2025	Warranty Deed, Subdivision Related Transfer · FHA Mortgage VALLEY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2025 · Amount on File
Deed Sale	Feb 19, 2025 · Amount on File
Deed Document Number	20251729268
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	7904 LOST RIVER RD, HORACE, ND 58047-9722
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

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	7904 LOST RIVER RD, HORACE, ND 58047-9722
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001723214
Date	Nov 4, 2024
Instrument	1723214

Lender

Name	BELL BANK
Type	Bank
Address	WEST FARGO, ND 58078

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	8 Months
Due	Jul 30, 2025

February 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Feb 19, 2025
Property Address	7904 LOST RIVER RD, HORACE, ND 58047-9722
Document Number	0001729268
Instrument Date	Feb 14, 2025
Instrument	1729268
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 13, 2026
Title Company	FM TITLE

Transaction

Amount	Amount 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	7904 LOST RIVER RD, HORACE, ND 58047-9722

Mortgage

Document Number	0001729269
Date	Feb 19, 2025
Instrument	1729269

Lender

Name	VALLEY MORTGAGE INC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0001729270
Date	Feb 19, 2025
Instrument	1729270

Lender

Name	NORTH DAKOTA HOUSING FINANCE AGENCY
Type	Government Agency
Address	BISMARCK, ND 58502

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 7904 Lost River Rd was $6,502.

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	$6,502.00	$161,600 Land $16,000 Building $145,600	$323,200 Land $32,000 Building $291,200
2023	$2,710.00 (-2.17%)	$11,200 (-) Land $11,200	$22,400 (-) Land $22,400
2022	$2,770.00	$11,200 Land $11,200	$22,400 Land $22,400

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 7904 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 7904 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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