110 Main St S, Dougherty, IA 50433 Property Records

Cerro Gordo County property record for 110 Main St S, Dougherty, IA 50433

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,560 sqft · built 1916
Lot Size	0.298 acres (12,981 sqft)
Owner	2 Individual Names on Record
Tax Bill	$816 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`163610700100`

Property Details

APN / Parcel Number

Primary APN	`163610700100`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Contemporary
Exterior Material	Other
Construction Type	Frame
Foundation Type	Stone
Roof Type	Hip
Roof Material	Metal
Lot Area	12,981 sqft (0.298 acres)
Lot Dimensions	130 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	296 sqft
Patio Area	150 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	110 MAIN ST S
City	DOUGHERTY
State	IA
Zip	50433-5019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L'S 15-16-17-18 BLK 12 DOUGHERTY
Legal Range	19W
Legal Township	94N
Legal Section	36
Legal Subdivision	DOUGHERTY
Legal Block	12
Legal Lot Number	15-18
Jurisdiction	CERRO GORDO IA
Township / Civil Division	DOUGHERTY
Census Block Group	2
Census Block	2169
Census Tract	951000

Owner

Source: Cerro Gordo County records, as of October 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	110 MAIN ST S, DOUGHERTY, IA 50433-5019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN SAVINGS BANK
Sep 5, 2017	Deed of Trust, Mortgage · ARM LINCOLN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CERRO GORDO IA
Property Address	110 MAIN ST S, DOUGHERTY, IA 50433-5019
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/8960
Date	Dec 9, 2020
Book Page	2020/8960
Instrument	2020-8960

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CERRO GORDO IA
Property Address	110 MAIN ST S, DOUGHERTY, IA 50433-5019
Transaction Type	Mortgage
Record Updated	Oct 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-5121
Date	Sep 5, 2017
Book Page	2017/5121
Instrument	2017-5121

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	11.5%

Tax Assessment & Valuation

Source: Cerro Gordo County assessment roll, as of November 14, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Cerro Gordo County
Municipality	Dougherty City
Unified School District	West Fork Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$816.00	$60,350 (+3.39%) Land $4,500 Building $55,850	$60,350 (+3.39%) Land $4,500 Building $55,850
2024	$816.00 (+42.66%)
2023		$58,370 (+28.74%) Land $4,500 Building $53,870	$58,370 (+28.74%) Land $4,500 Building $53,870
2022	$572.00 Homeowner's exemption	$45,340 Land $3,600 Building $41,740	$45,340 Land $3,600 Building $41,740

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 December 14, 2022

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	Not rated no wildfire likelihood modeled here

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rockwell Cooperative Telephone Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G (outdoors only) and 4G LTE

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