103 E River Rd, Oakville, IA 52646 Property Records

Louisa County property record for 103 E River Rd, Oakville, IA 52646

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,200 sqft · built 1979
Lot Size	0.885 acres (38,556 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Feb 2024)
Tax Bill	$2,084 (2024)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Feb 2022 Construction Loan + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`13-24-352-002`

Property Details

APN / Parcel Number

Primary APN	`13-24-352-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,200 sqft Living Area
1st Floor Area	1,472 sqft
Basement Area	1,472 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Lot Area	38,556 sqft (0.885 acres)
Lot Dimensions	252 ft deep x 153 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	16 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	103 E RIVER RD
City	OAKVILLE
State	IA
Zip	52646-7561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	24-73-2 GERST BROS ADD L1
Jurisdiction	LOUISA IA
Township / Civil Division	ELIOT
Census Block Group	3
Census Block	3012
Census Tract	450300

Owner

Source: Louisa County assessment roll, as of May 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	103 E RIVER RD, OAKVILLE, IA 52646-7561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2024	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY 1ST CU
Feb 15, 2022	Deed of Trust, Mortgage · Construction Mortgage STATE BANK OF WAPELLO
May 7, 2021	Deed of Trust, Mortgage · Line of Credit STATE BANK OF WAPELLO
Sep 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 12, 2024 · Amount on Record
Deed Sale	Feb 12, 2024 · Amount on Record
Prior Sale	Dec 18, 2013 · Amount on Record
Deed Document Number	0020240175
Deed Book / Page	2024 / 0175
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUISA IA
Recording Date	Feb 12, 2024
Property Address	103 E RIVER RD, OAKVILLE, IA 52646-7561
Document Number	0020240175
Instrument Date	Feb 6, 2024
Instrument	2024-0175
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Amount	Amount Recorded
Tax	$311.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 E RIVER RD, OAKVILLE, IA 52646-7561

Mortgage

Document Number	0020240176
Date	Feb 12, 2024
Instrument	2024-0176

Lender

Name	COMMUNITY 1ST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Mortgage

Document Number	0020240176
Date	Feb 12, 2024
Instrument	2024-0176

Lender

Name	COMMUNITY 1ST CU
Type	Credit Union
Address	1100 HUTCHINSON AVE, OTTUMWA, IA 52501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA IA
Property Address	103 E RIVER RD, OAKVILLE, IA 52646-7561
Transaction Type	Mortgage
Record Updated	Mar 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E RIVER RD, OAKVILLE, IA 52646-7561

Mortgage

Document Number	0020220304
Date	Feb 15, 2022
Instrument	2022-0304

Lender

Name	STATE BANK OF WAPELLO
Type	Bank
Address	WAPELLO, IA 52653

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA IA
Property Address	103 E RIVER RD, OAKVILLE, IA 52646-7561
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E RIVER RD, OAKVILLE, IA 52646-7561

Mortgage

Document Number	20210743
Date	May 7, 2021
Instrument	2021-0743

Lender

Name	STATE BANK OF WAPELLO
Type	Bank
Address	WAPELLO, IA 52653

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	62 Months
Due	Jul 30, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA IA
Property Address	103 E RIVER RD, OAKVILLE, IA 52646-7561
Transaction Type	Mortgage
Record Updated	Oct 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20191253
Date	Sep 9, 2019
Instrument	2019-1253

Lender

Name	COMMUNITY BANK & TRUST
Type	Bank
Address	MUSCATINE, IA 52761

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2039

Tax Assessment & Valuation

Source: Louisa County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Louisa County
Municipality	Oakville City
Unified School District	Wapello Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$191,190 (+37.37%) Land $8,280 Building $182,910	$191,190 (+37.37%) Land $8,280 Building $182,910
2024	$2,084.00 (+9.92%)
2023		$139,180 (+36.83%) Land $8,280 Building $130,900	$139,180 (+36.83%) Land $8,280 Building $130,900
2022	$1,896.00 Homeowner's exemption	$101,720 Land $8,280 Building $93,440
2021			$101,720 Land $8,280 Building $93,440

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 October 15, 2015 · 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
Flood Insurance Cost	Premium on Record median of 48 policies
Nearby Flood Policies	48 in force
Nearby Flood Claims	34 (1982–2019)
Claims Outside the SFHA	29 of 34
Most Recent Claim	Jun 2019 · other causes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 26 claims Severe Storms & Flooding, Jul 1993 · 2 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

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

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	OAKVILLE WATER SUPPLY serves 200 people · EPA ID IA5868085
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Uniti Group DSL · Fixed Wireless	200 / 20
T-Mobile USA Fixed Wireless	100 / 20
MTC Technologies Fixed Wireless · Fiber in parts of the area	50 / 10
Mutual Telephone Company of Morning Sun, Iowa Fixed Wireless	25 / 3

May also be available: AMG Technology Investment Group.

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