103 Cedar Ln, Rock Rapids, IA 51246 Property Records

Lyon County property record for 103 Cedar Ln, Rock Rapids, IA 51246

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,808 sqft · built 2006
Lot Size	0.321 acres (14,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Dec 2005)
Tax Bill	$6,416 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Apr 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`350000124890200`

Property Details

APN / Parcel Number

Primary APN	`350000124890200`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	1,808 sqft Living Area
1st Floor Area	1,808 sqft
Basement Area	1,808 sqft
Finished Basement	1,610 sqft
Unfinished Basement	1,808 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Concrete
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	798 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	323 sqft
Patio Area	671 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	103 CEDAR LN
City	ROCK RAPIDS
State	IA
Zip	51246-2098
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	MILL POND 3RD ADD LOT 2 BLK 1
Legal Subdivision	3RD ADD
Legal Block	1
Legal Lot Number	2
Jurisdiction	LYON IA
Township / Civil Division	ROCK
Census Block Group	2
Census Block	2040
Census Tract	950200

Owner

Source: Lyon County records, as of December 23, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	103 CEDAR LN, ROCK RAPIDS, IA 51246-2098
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · Line of Credit FRONTIER BANK
Apr 4, 2018	Deed of Trust, Mortgage FRONTIER STATE BANK
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FRONTIER BANK
Apr 4, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2005 · Amount on Record
Deed Sale	Dec 9, 2005 · Amount on Record
Deed Document Number	20053111
Deed Book / Page	2005 / 3111
Last Transfer Date	Mar 30, 2018
Transfer Doc	002018/873
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	103 CEDAR LN, ROCK RAPIDS, IA 51246-2098
Transaction Type	Mortgage
Record Updated	Nov 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CEDAR LN, ROCK RAPIDS, IA 51246-2098

Mortgage

Document Number	02023/1952
Date	Sep 22, 2023
Book Page	2023/1952
Instrument	2023 1952

Lender

Name	FRONTIER BANK
Type	Bank
Address	SIOUX FALLS, SD 57108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 8, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	103 CEDAR LN, ROCK RAPIDS, IA 51246-2098
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000874
Date	Apr 4, 2018
Book Page	0000002018/0000000874
Instrument	000000000874

Lender

Name	FRONTIER STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2048

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	103 CEDAR LN, ROCK RAPIDS, IA 51246-2098
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/312
Date	Feb 1, 2021
Book Page	2021/312
Instrument	2021 0312

Lender

Name	FRONTIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Apr 4, 2018
Property Address	103 CEDAR LN, ROCK RAPIDS, IA 51246-2098
Document Number	002018/873
Book / Page	2018 / 873
Instrument Date	Mar 30, 2018
Instrument	000000000873
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CEDAR LN, ROCK RAPIDS, IA 51246-2098

Tax Assessment & Valuation

Source: Lyon County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Lyon County
Municipality	Rock Rapids City
Unified School District	Central Lyon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,416.00 Homeowner's exemption	$494,270 (+14.52%) Land $31,850 Building $462,420	$494,270 (+14.52%) Land $31,850 Building $462,420
2024	$6,416.00 (+15.81%)
2023		$431,590 (+27.1%) Land $31,850 Building $399,740	$431,590 (+27.1%) Land $31,850 Building $399,740
2022	$5,540.00 Homeowner's exemption	$339,560 Land $31,850 Building $307,710
2021			$339,560 Land $31,850 Building $307,710

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 23, 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	1 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	May 1993 · Severe Storms & Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · above 40% of Iowa
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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LYON-SIOUX RWS-ROCK RAPIDS private · serves 1,187 people · EPA ID IA6000800
Water Source	Purchased groundwater from several systems
Last State Inspection	Oct 2024
Lead	2 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Cable · Fiber in parts of the area	1,000 / 100
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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