Benton County property record for 109 Main St, Keystone, IA 52249
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,124 sqft · built 1900 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $79,000 (Feb 2021) |
| Tax Bill | $590 (2026) |
| Deeds & Mortgages | Mar 2026 Second Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09012150 |
| Primary APN | 09012150 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,124 sqft Living Area |
| Basement Area | 562 sqft |
| Unfinished Basement | 562 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,100 sqft (0.163 acres) |
| Lot Dimensions | 142 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 54 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 109 MAIN ST |
|---|---|
| City | KEYSTONE |
| State | IA |
| Zip | 52249-7703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KEYSTONE LOTS 7 & 8 BLK 3 |
| Legal Subdivision | KEYSTONE |
| Legal Block | 3 |
| Legal Lot Number | 7,8 |
| Jurisdiction | BENTON IA |
| Township / Civil Division | KANE |
| Census Block Group | 3 |
| Census Block | 3068 |
| Census Tract | 960600 |
Source: Benton 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 | PO BOX 54, KEYSTONE, IA 52249-0054 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 18, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage METCO CU |
| Mar 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage METCO CU |
| Feb 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage OPEN MORTGAGE LLC |
| May 22, 2018 | Warranty Deed, Transfer CEDAR VALLEY BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2021 · Amount on Record |
| Deed Sale | Feb 22, 2021 · Amount on Record |
| Prior Sale | May 22, 2018 · Amount on Record |
| Deed Document Number | 2021782 |
| Prior Transfer Date | May 18, 2018 |
| Prior Transfer Doc | 0000000018/000000109 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 109 MAIN ST, KEYSTONE, IA 52249-7703 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 109 MAIN ST, KEYSTONE, IA 52249-7703 |
| Document Number | 0000260965 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 26-0965 |
| Name | METCO CU |
|---|---|
| Type | Credit Union |
| Address | CEDAR RAPIDS, IA 52404 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 48 Months |
| Due | Mar 10, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 109 MAIN ST, KEYSTONE, IA 52249-7703 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000221252 |
|---|---|
| Date | Mar 25, 2022 |
| Instrument | 22-1252 |
| Name | METCO CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 5, 2027 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON IA |
| Recording Date | Feb 22, 2021 |
| Property Address | 109 MAIN ST, KEYSTONE, IA 52249-7703 |
| Document Number | 0000210782 |
| Instrument Date | Feb 16, 2021 |
| Instrument | 21-0782 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Title Company | SECURITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 MAIN ST, KEYSTONE, IA 52249-7703 |
| Document Number | 0000210783 |
|---|---|
| Date | Feb 22, 2021 |
| Instrument | 21-0783 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON IA |
| Recording Date | May 22, 2018 |
| Property Address | 109 MAIN ST, KEYSTONE, IA 52249-7703 |
| Document Number | 18/1097 |
| Book / Page | 18 / 1097 |
| Instrument Date | May 18, 2018 |
| Instrument | 0000018-1097 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 MAIN ST, KEYSTONE, IA 52249-7703 |
| Document Number | 0000000018/0000001098 |
|---|---|
| Date | May 22, 2018 |
| Book Page | 0000000018/0000001098 |
| Instrument | 0000018-1098 |
| Name | CEDAR VALLEY BANK & TRUST |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 68 Months |
| Due | Jan 1, 2024 |
Source: Benton County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Benton County |
| Municipality | Keystone City |
| Unified School District | Benton Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $590.00 (-4.53%) | $77,000 (-) Land $12,800 Building $64,200 | $77,000 (-) Land $12,800 Building $64,200 |
| 2025 | $618.00 Homeowner's exemption | $77,000 (+1.85%) Land $12,800 Building $64,200 | $77,000 (+1.85%) Land $12,800 Building $64,200 |
| 2024 | $618.00 (-9.12%) | ||
| 2023 | $75,600 (+26.85%) Land $12,800 Building $62,800 | $75,600 (+26.85%) Land $12,800 Building $62,800 | |
| 2022 | $680.00 Homeowner's exemption | $59,600 Land $10,200 Building $49,400 | |
| 2021 | $59,600 Land $10,200 Building $49,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 22, 2023
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KEYSTONE WATER SUPPLY serves 599 people · EPA ID IA0640030 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 6 ppb (2022–2024) action level 15 ppb |
| Water Quality | Treatment failure resolved · May 2021 Nitrite resolved · Apr 2021 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Keystone Communications Fiber | 250 / 250 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures