955 Cummings, Cummings, ND 58223 Property Records

Traill County property record for 955 Cummings, Cummings, ND 58223

Property Summary

Property Type	Single Family Home
Lot Size	9.89 acres (431,244 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Jan 2010)
Tax Bill	$1,765 (2025)
Deeds & Mortgages	Nov 2010 Mortgage Jan 2010 Sale
Flood Zone	Zone X (minimal risk)
APN	`10-0000-01526-010`

Property Details

APN / Parcel Number

Primary APN	`10-0000-01526-010`

Exterior

Lot Area	431,244 sqft (9.89 acres)

Location & Zoning

Street Address	955 CUMMINGS
City	CUMMINGS
State	ND
Zip	58223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9.90 AC TRACT IN NE14 18-147-50 A-9.90
Jurisdiction	TRAILL ND
Township / Civil Division	ERVIN
Census Block Group	1
Census Block	1087
Census Tract	970100

Owner

955 Cummings is owned and occupied by an individual who bought it in January 2010.

Source: Traill County records, as of February 18, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	955 HIGHWAY 81 NE, CUMMINGS, ND 58223-9552
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
Nov 29, 2010	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 6, 2010	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2010 · Amount on File
Deed Sale	Jan 6, 2010 · Amount on File
Deed Document Number	173633
Record Updated	Jun 8, 2026

November 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRAILL ND
Property Address	955 CUMMINGS, CUMMINGS, ND 58223
Transaction Type	Mortgage
Record Updated	Feb 19, 2026
Title Company	LSI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000175687
Date	Nov 29, 2010
Instrument	175687

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	FISHERS, IN 46038

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2040

January 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRAILL ND
Recording Date	Jan 6, 2010
Property Address	955 CUMMINGS, CUMMINGS, ND 58223
Document Number	0000173633
Instrument Date	Dec 31, 2009
Instrument	173633
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount 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	955 HIGHWAY 81 NE, CUMMINGS, ND 58223-9552

Tax Assessment & Valuation

The 2025 property tax bill for 955 Cummings was $1,765, down 2.5% from the year before.

Source: Traill County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	North Dakota
County	Traill County
County Subdivision	Ervin Township
Unified School District	Central Valley Public School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,765.00 (-2.54%)	$9,954 Land $2,278 Building $7,676	$219,900 Land $49,320 Building $170,580
2024	$1,811.00 (+2.61%)
2023	$1,765.00	$89,500 Land $15,125 Building $74,375	$179,000 Land $30,250 Building $148,750

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 955 Cummings in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	7 (1997–2011)
Claims Outside the SFHA	3 of 7
Most Recent Claim	May 2011 · Flooding
Claims by Event	Flooding, May 2011 · 2 claims Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, Apr 1997 · 4 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 955 Cummings is low, with less than 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 98% of the US · lower than 93% of North Dakota
Wildfire Likelihood	Under 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	EAST CENTRAL REGIONAL WD-GF private · serves 5,995 people · EPA ID ND1801062
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Halstad Telephone Fiber	1,000 / 1,000
Midco Fixed Wireless	100 / 20

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