Cass County property record for 8868 Lost River Rd, Horace, ND 58047
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2,575 sqft · built 2022 |
| Lot Size | 0.592 acres (25,831 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $651,098 (Jul 2023) |
| Tax Bill | $12,591 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Jun 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 15-2820-01770-000 |
| Primary APN | 15-2820-01770-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Building Area | 2,575 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Construction Type | Frame |
| Lot Area | 25,831 sqft |
| Garage Type | Attached |
| Garage Area | 1,116 sqft |
| Street Address | 8868 LOST RIVER RD |
|---|---|
| City | HORACE |
| State | ND |
| Zip | 58047-9742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 11 BLOCK: 9 ADDITION: LOST RIVER 5TH ADDITION ADDITIONAL: LOST RIVER 5TH ADDN LT 11 BLK 9 **6-15-20 SPL FRM |
| Legal Subdivision | LOST RIVER FIFTH ADDITION |
| Legal Block | 9 |
| Legal Lot Number | 11 |
| Jurisdiction | CASS ND |
| Township / Civil Division | HORACE |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 40503 |
8868 Lost River Rd is owned and occupied by two individuals who bought it in July 2023.
Source: Cass County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8868 LOST RIVER RD, HORACE, ND 58047-9742 |
| 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.
| Date | Document |
|---|---|
| Aug 29, 2022 | Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK |
| Jun 2, 2025 | Deed of Trust, Mortgage · Line of Credit CAPITAL CU |
| Jul 21, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GATE CITY BANK |
| Jul 18, 2022 | Quit Claim Deed, Transfer TITLE COMPANY RESIDENTIAL |
| Jul 14, 2021 | Warranty Deed, Transfer · Conventional Mortgage WESTERN STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2023 · Amount on File |
| Deed Sale | Jul 21, 2023 · Amount on File |
| Prior Sale | Jul 14, 2021 · Amount on File |
| Deed Document Number | 20231693714 |
| Prior Transfer Date | Jul 8, 2022 |
| Prior Transfer Doc | 0001670761 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS ND |
| Property Address | 8868 LOST RIVER RD, HORACE, ND 58047-9742 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001674021 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 1674021 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | LEEDS, ND 58346 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Aug 4, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS ND |
| Property Address | 8868 LOST RIVER RD, HORACE, ND 58047-9742 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001735367 |
|---|---|
| Date | Jun 2, 2025 |
| Instrument | 1735367 |
| Name | CAPITAL CU |
|---|---|
| Type | Credit Union |
| Address | BISMARCK, ND 58501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | May 21, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS ND |
| Recording Date | Jul 21, 2023 |
| Property Address | 8868 LOST RIVER RD, HORACE, ND 58047-9742 |
| Document Number | 0001693714 |
| Instrument Date | Jul 21, 2023 |
| Instrument | 1693714 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | TITLE COMPANY RESIDENTIAL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 8868 LOST RIVER RD, HORACE, ND 58047-9742 |
| Document Number | 0001693715 |
|---|---|
| Date | Jul 21, 2023 |
| Instrument | 1693715 |
| Name | GATE CITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 6.12% |
| Index | SOFR Average 30-Day |
| Max Rate | 9.12% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CASS ND |
| Recording Date | Jul 18, 2022 |
| Property Address | 8868 LOST RIVER RD, HORACE, ND 58047-9742 |
| Document Number | 0001670761 |
| Instrument Date | Jul 8, 2022 |
| Instrument | 1670761 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | TITLE COMPANY RESIDENTIAL |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5923 59TH ST S, FARGO, ND 58104-5724 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS ND |
| Recording Date | Jul 14, 2021 |
| Property Address | 8868 LOST RIVER RD, HORACE, ND 58047-9742 |
| Document Number | 0001638825 |
| Instrument Date | Jul 13, 2021 |
| Instrument | 1638825 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | PLAINS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5923 59TH ST S, FARGO, ND 58104-5724 |
| Document Number | 0001638826 |
|---|---|
| Date | Jul 14, 2021 |
| Instrument | 1638826 |
| Name | WESTERN STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jul 13, 2022 |
The 2025 property tax bill for 8868 Lost River Rd was $12,591.
Source: Cass County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | North Dakota |
| County | Cass County |
| Municipality | Horace City |
| Unified School District | West Fargo Public School District 6 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,591.00 | $301,900 Land $69,950 Building $231,950 | $603,800 Land $139,900 Building $463,900 |
| 2023 | $13,257.00 (+70.99%) | $270,100 (+589.03%) Land $55,950 Building $214,150 | $540,200 (+589.03%) Land $111,900 Building $428,300 |
| 2022 | $7,753.00 | $39,200 Land $39,200 | $78,400 Land $78,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 8868 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 risk around 8868 Lost River Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 48% of North Dakota |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 99 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 |
| Sparklight Fiber | 1,000 / 50 |
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