109 E Ramsey St, Bancroft, IA 50517 Property Records

Kossuth County property record for 109 E Ramsey St, Bancroft, IA 50517

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4,968 sqft · built 1938
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Jan 2025)
Tax Bill	$1,126 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-24-186-010`

Property Details

APN / Parcel Number

Primary APN	`10-24-186-010`

Interior

Stories	1 Story
Building Area	4,968 sqft Gross Area
1st Floor Area	4,968 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Street Address	109 E RAMSEY ST
City	BANCROFT
State	IA
Zip	50517-8129
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	LOTS 13-14 BLK 5 O P
Legal Subdivision	ORIGINAL PLAT OF BANCROFT
Legal Block	5
Legal Lot Number	13-14
Jurisdiction	KOSSUTH IA
Township / Civil Division	GREENWOOD
Census Block Group	2
Census Block	2043
Census Tract	950300

Owner

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

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	205 W GREENWOOD ST, BANCROFT, IA 50517
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & TRADERS STATE BANK
Jan 31, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage FIDELITY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2025 · Amount on Record
Deed Sale	Jan 31, 2025 · Amount on Record
Deed Document Number	2025334
Deed Book / Page	2025 / 334
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	109 E RAMSEY ST, BANCROFT, IA 50517-8129
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3284
Date	Oct 22, 2021
Book Page	2021/3284
Instrument	2021 3284

Lender

Name	FARMERS & TRADERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Jan 31, 2025
Property Address	109 E RAMSEY ST, BANCROFT, IA 50517-8129
Document Number	002025/334
Book / Page	2025 / 334
Instrument Date	Jan 31, 2025
Instrument	2025 0334
Transaction Type	Transfer
Record Updated	Oct 13, 2025

Transaction

Amount	Amount Recorded
Tax	$95.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 W GREENWOOD ST, BANCROFT, IA 50517

Mortgage

Document Number	0020250351
Date	Jan 31, 2025
Instrument	2025 0351

Lender

Name	FIDELITY BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	002025/351
Date	Feb 3, 2025
Book Page	2025/351
Instrument	2025 0351

Lender

Name	FIDELITY BANK & TRUST
Type	Bank
Address	BANCROFT, IA 50517

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kossuth County assessment roll, as of October 9, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Bancroft City
County	Kossuth County
Unified School District	North Kossuth Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,126.00 (+2.93%)	$74,540 (+11.82%) Land $6,250 Building $68,290
2024	$1,094.00 (+21.02%)
2023		$66,661 Land $6,250 Building $60,411	$66,661 (-10.57%) Land $6,250 Building $60,411
2021	$904.00		$74,540 Land $6,250 Building $68,290

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 March 19, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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	BANCROFT WATER SUPPLY serves 711 people · EPA ID IA5507085
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2021–2023) 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Winnebago Cooperative Telecom Association Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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