104 E Union St, Ionia, IA 50645 Property Records

Chickasaw County property record for 104 E Union St, Ionia, IA 50645

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,700 sqft · built 1950
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$152,000 (Mar 2022)
Tax Bill	$1,450 (2026)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-12-23-1-01-007`

Property Details

APN / Parcel Number

Primary APN	`19-12-23-1-01-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,700 sqft Living Area
1st Floor Area	1,060 sqft
Basement Area	1,316 sqft
Unfinished Basement	1,316 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	150 ft deep x 94 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Deck Area	208 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	104 E UNION ST
City	IONIA
State	IA
Zip	50645-7734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK. 11 & W 1/2 OF DOUGLAS ST. N TO RR-ROW FROM N LINE OF UNION ST.
Legal Subdivision	TOWN OF IONIA
Legal Block	11
Legal Lot Number	1
Jurisdiction	CHICKASAW IA
Township / Civil Division	CHICKASAW
Census Block Group	2
Census Block	2149
Census Tract	70100

Owner

104 E Union St is owned and occupied by two individuals who bought it in March 2022.

Source: Chickasaw County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 95, IONIA, IA 50645-0095
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2022 · Amount on File
Deed Sale	Mar 3, 2022 · Amount on File
Prior Sale	Mar 2, 2022 · Amount on File
Deed Document Number	2022369
Prior Transfer Date	Jul 8, 2021
Prior Transfer Doc	0000001539
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICKASAW IA
Property Address	104 E UNION ST, IONIA, IA 50645-7734
Transaction Type	Mortgage
Record Updated	Oct 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020211540
Date	Jul 9, 2021
Instrument	2021-1540

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 104 E Union St was $1,450 with a homeowner's exemption.

Source: Chickasaw County assessment roll, as of September 26, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Chickasaw County
Municipality	Ionia City
Unified School District	New Hampton Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,450.00	$123,200 (-) Land $8,500 Building $114,700	$123,200 (-) Land $8,500 Building $114,700
2025	$1,450.00 (+12.75%) Homeowner's exemption	$123,200 Land $8,500 Building $114,700	$123,200 Land $8,500 Building $114,700
2024	$1,286.00
2023		$101,900 Land $8,500 Building $93,400	$101,900 Land $8,500 Building $93,400
2022	$1,176.00

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

Flood

FEMA maps place 104 E Union St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective September 28, 2012 · 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	4 in force
Nearby Flood Claims	3 (2016–2021)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2021 · rainfall accumulation

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 104 E Union St 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 99.1% of the US · lower than 91% of Iowa
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	IONIA WATER SUPPLY serves 226 people · EPA ID IA1946078
Water Source	Groundwater
Last State Inspection	Jul 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Windstream DSL	200 / 20
GigFire Fixed Wireless	150 / 130
Rise Broadband Fixed Wireless	25 / 5

May also be available: T-Mobile.

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