108 S 3rd Ave E, Rock Rapids, IA 51246 Property Records

Lyon County property record for 108 S 3rd Ave E, Rock Rapids, IA 51246

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,720 sqft · built 1940
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on Record
Tax Bill	$1,906 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`350000019600000`

Property Details

APN / Parcel Number

Primary APN	`350000019600000`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,720 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Game Room	Game Room
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Other
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	75 ft deep x 110 ft wide
Garage Type	Detached
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	78 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	108 S 3RD AVE E
City	ROCK RAPIDS
State	IA
Zip	51246-1602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	ROCK RAPIDS O. T. LOTS 10, 11 & 12 BLK 18
Legal Subdivision	ORIGINAL TOWN OF ROCK RAPIDS
Legal Block	18
Legal Lot Number	10-12
Jurisdiction	LYON IA
Township / Civil Division	ROCK
Census Block Group	1
Census Block	1028
Census Tract	950200

Owner

Source: Lyon County records, as of December 23, 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 Record
Mailing Address	108 S 3RD AVE E, ROCK RAPIDS, IA 51246-1602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 5, 2013
Transfer Doc	2013/2247
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Jun 27, 2022
Property Address	108 S 3RD AVE E, ROCK RAPIDS, IA 51246-1602
Document Number	02022/1666
Book / Page	2022 / 1666
Instrument Date	May 13, 2022
Instrument	2022 1666
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$208.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 S 3RD AVE E, ROCK RAPIDS, IA 51246-1602

Mortgage

Document Number	02022/1667
Date	Jun 27, 2022
Book Page	2022/1667
Instrument	2022 1667

Lender

Name	HOMEOWNERS FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

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	$1,906.00	$143,760 (+15.09%) Land $15,090 Building $128,670	$143,760 (+15.09%) Land $15,090 Building $128,670
2024	$1,906.00 (+73.91%)
2023		$124,910 (+91.08%) Land $15,090 Building $109,820	$124,910 (+91.08%) Land $15,090 Building $109,820
2022	$1,096.00	$65,370 Land $15,090 Building $50,280
2021			$65,370 Land $15,090 Building $50,280

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	41 (1993–2024)
Claims Outside the SFHA	8 of 41
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 8 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 24 claims Severe Storms & Flooding, Jul 1993 · 8 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 98% of the US · lower than 82% 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	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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Fiber · Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20