7908 Lost River Rd, Horace, ND 58047 Property Records

Cass County property record for 7908 Lost River Rd, Horace, ND 58047

Property Summary

Property Type	Single Family Home
Details	4 bd · 1,320 sqft · built 2022
Lot Size	0.198 acres (8,668 sqft)
Owner	2 Individual Names on File
Last Sale	$378,649 (Dec 2023)
Tax Bill	$5,006 (2025)
Deeds & Mortgages	Dec 2022 Construction Loan Apr 2025 Mortgage + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`15-2820-01310-000`

Property Details

APN / Parcel Number

Primary APN	`15-2820-01310-000`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Building Area	1,320 sqft Living Area
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Lot Area	8,668 sqft
Garage Type	Attached
Garage Area	472 sqft

Location & Zoning

Street Address	7908 LOST RIVER RD
City	HORACE
State	ND
Zip	58047-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 14 BLOCK: 6 ADDITION: LOST RIVER 5TH ADDITION ADDITIONAL: LOST RIVER 5TH ADDN LT 14 BLK 6 **6-15-20 SPL FRM
Legal Subdivision	LOST RIVER FIFTH ADDITION
Legal Block	6
Legal Lot Number	14
Jurisdiction	CASS ND
Township / Civil Division	HORACE
Census Block Group	1
Census Block	1024
Census Tract	40503

Owner

7908 Lost River Rd is owned and occupied by two individuals who bought it in December 2023.

Source: Cass County records, as of April 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7908 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 1, 2022	Deed of Trust, Mortgage · Construction Mortgage CHOICE FINANCIAL GROUP
Apr 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERNATIONAL BANK & TRUST
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK & TRUST CO
Dec 11, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST INTERNATIONAL BANK & TRUST
Oct 4, 2022	Warranty Deed, Transfer FM TITLE
Oct 4, 2022	Warranty Deed, Transfer FM TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2023 · Amount on File
Deed Sale	Dec 11, 2023 · Amount on File
Prior Sale	Oct 4, 2022 · Amount on File
Deed Document Number	20231702903
Prior Transfer Date	Sep 30, 2022
Prior Transfer Doc	0001676776
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	7908 LOST RIVER RD, HORACE, ND 58047-9722
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001680754
Date	Dec 1, 2022
Instrument	1680754

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	17 Months
Due	May 15, 2024

Interest

Rate Type	Adjustable Rate

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Property Address	7908 LOST RIVER RD, HORACE, ND 58047-9722
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	TITLE COMPANY RESIDENTIAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7908 LOST RIVER RD, HORACE, ND 58047-9722

Mortgage

Document Number	0001732726
Date	Apr 21, 2025
Instrument	1732726

Lender

Name	FIRST INTERNATIONAL BANK & TRUST
Type	Bank
Address	MINOT, ND 58703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS ND
Recording Date	Apr 13, 2026
Property Address	7908 LOST RIVER RD, HORACE, ND 58047-9722
Document Number	0001755926
Instrument Date	Apr 8, 2026
Instrument	20261755926
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7908 LOST RIVER RD, HORACE, ND 58047-9722

Mortgage

Document Number	0001755926,
Date	Apr 13, 2026
Instrument	20261755926

Lender

Name	FIRST NATIONAL BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Dec 11, 2023
Property Address	7908 LOST RIVER RD, HORACE, ND 58047-9722
Document Number	0001702903
Instrument Date	Dec 5, 2023
Instrument	1702903
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
Relationship	Joint Tenants
Address	7908 LOST RIVER RD, HORACE, ND 58047-9722

Mortgage

Document Number	0001702904
Date	Dec 11, 2023
Instrument	1702904

Lender

Name	FIRST INTERNATIONAL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Oct 4, 2022
Property Address	7908 LOST RIVER RD, HORACE, ND 58047-9722
Document Number	0001676777
Instrument Date	Sep 30, 2022
Instrument	1676777
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	FM TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3168 41ST ST S STE 1, 1, FARGO, ND 58104-7741
Investor	Possibly a Property Investor

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS ND
Recording Date	Oct 4, 2022
Property Address	7908 LOST RIVER RD, HORACE, ND 58047-9722
Document Number	0001676776
Instrument Date	Sep 30, 2022
Instrument	1676776
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	FM TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 MAIN AVE E, WEST FARGO, ND 58078-1936
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 7908 Lost River Rd was $5,006.

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	$5,006.00	$131,100 Land $24,800 Building $106,300	$262,200 Land $49,600 Building $212,600
2023	$8,054.00 (+111.34%)	$193,150 (+1,013.26%) Land $24,800 Building $168,350	$386,300 (+1,013.26%) Land $49,600 Building $336,700
2022	$3,811.00	$17,350 Land $17,350	$34,700 Land $34,700

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 7908 Lost River Rd in Zone X, where a levee reduces 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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 7908 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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