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Horace, ND

Terra Gardens — Horace, ND Homes for Sale

2026 Home Prices & Tax Guide

Terra Gardens Horace: 2026 Home Guide & Wealth Strategy

By Christopher Leigh, Broker/Owner

Terra Gardens is a primary growth engine for the Horace real estate market. Positioned within the city’s newest expansion corridor, this subdivision offers a high-utility opportunity for buyers seeking modern construction and aggressive equity growth. Our 2026 audit identifies Terra Gardens as a “Smart Entry Asset,” where custom designs benefit from the flagship Horace High academic track and the city’s most generous tax incentives.

2025–2026 Neighborhood Performance

MetricValue
ND Tax Credit$1,600

Asset Audit: Taxes & Infrastructure

Metric2025-2026 Audit StatsBuyer Strategy
Tax Abatement2-Year QualifiedExempts first $150k of structural value from property tax
Education TrackHawk Feeder PatternZoned for Horace Elementary, Heritage Middle, and Horace High
Specials AuditCompetitive/NewNew builds benefit from initial Max Abatement layering
Market ProfileRapid AbsorptionHigh resale demand due to modern plans and district track

Location Check: Drive Times

DestinationDrive Time
Horace High3 min
Sanford Medical12 min
Microsoft Campus14 min
West Acres Mall16 min
NDSU Campus23 min
ServiceProviderContact
Fiber InternetReadiTech Fiber701-347-2020
ElectricityCass County Electric701-356-4400
Natural GasXcel Energy800-895-4999
City ServicesCity of Horace701-492-2972

School District Info

Terra Gardens follows the Hawks feeder system: Horace Elementary, Heritage Middle, and Horace High School.


Verified Authority Data: 2025 Market stats based on full-year closed transactions in the Fargo-Moorhead FlexMLS. School tracks verified via West Fargo Public Schools 2026 boundaries.

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Horace Area Map

Frequently Asked Questions

How do I maximize the tax abatement in Terra Gardens?

Qualified new builds receive a 2-year property tax abatement on the first $150,000 of structural value. We specialize in layering this with the $1,600 ND Tax Credit for maximum cash flow.

Is Terra Gardens eligible for 0% down USDA loans?

Yes. As of early 2026, Terra Gardens remains within the USDA Rural Development eligibility zone, allowing qualified buyers to leverage high-growth equity with zero initial money down.

How close is Terra Gardens to the Horace High campus?

Residents are within a 3-minute drive of the flagship Horace High campus, placing them at the epicenter of the city's educational investment.

What are the demographics for Horace in 2026?

Horace is ND's fastest-growing city (10.6%) with a median household income of $145,801. Racial demographics are **88.9% White, 7.7% Hispanic, 4.6% Multiracial, 2.2% Black, and 0.3% Native American**.

How do I apply for the $1,600 ND Property Tax Credit?

Primary residents apply through the ND Tax Commissioner between January and April 1, 2026.

Ready to explore Horace?

Talk to Christopher Leigh and the Vision Realty team.