1186 E Ave, Charter Oak, IA 51439 Property Records

Crawford County property record for 1186 E Ave, Charter Oak, IA 51439

Property Summary

Details	5 bd · 1.5 ba · 3,099 sqft · built 2001
Lot Size	2.78 acres (121,097 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,500 (Jan 2025)
Tax Bill	$3,826 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0120400004`

Property Details

APN / Parcel Number

Primary APN	`0120400004`
Alternative APN	`0120400006`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	3,099 sqft Living Area
Basement Area	1,509 sqft
Unfinished Basement	1,509 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Frame
Lot Area	121,097 sqft
Garage Type	Attached
Garage Area	510 sqft

Location & Zoning

Street Address	1186 E AVE
City	CHARTER OAK
State	IA
Zip	51439-7536
Property Category	Other
Property Type	Unknown
Jurisdiction	CRAWFORD IA
Township / Civil Division	SOLDIER
Census Block Group	3
Census Block	3077
Census Tract	70200

Owner

Source: Crawford County records, as of September 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1186 E AVE, CHARTER OAK, IA 51439-7536
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed of Trust, Mortgage · Line of Credit UNITED BANK OF IOWA
Jul 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK OF IOWA
Oct 28, 2025	Deed of Trust, Mortgage · Construction Mortgage UNITED BANK OF IOWA
Jan 3, 2025	Warranty Deed, Transfer · FHA Mortgage ARVEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2025 · Amount on Record
Deed Sale	Jan 3, 2025 · Amount on Record
Deed Document Number	202522
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAWFORD IA
Recording Date	Aug 21, 2026
Property Address	1186 E AVE, CHARTER OAK, IA 51439-7536
Document Number	0000001686
Instrument Date	Aug 20, 2026
Instrument	20261686
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1186 E AVE, CHARTER OAK, IA 51439-7536

Mortgage

Document Number	0000001686,
Date	Aug 21, 2026
Instrument	20261686

Lender

Name	UNITED BANK OF IOWA

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAWFORD IA
Recording Date	Jul 14, 2026
Property Address	1186 E AVE, CHARTER OAK, IA 51439-7536
Document Number	0000001412
Instrument Date	Jul 14, 2026
Instrument	20261412
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1186 E AVE, CHARTER OAK, IA 51439-7536
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001412,
Date	Jul 14, 2026
Instrument	20261412

Lender

Name	UNITED BANK OF IOWA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAWFORD IA
Property Address	1186 E AVE, CHARTER OAK, IA 51439-7536
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1186 E AVE, CHARTER OAK, IA 51439-7536
Investor	Possibly a Property Investor

Mortgage

Document Number	0020252098
Date	Oct 28, 2025
Instrument	2025-2098

Lender

Name	UNITED BANK OF IOWA
Type	Bank
Address	IDA GROVE, IA 51445

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAWFORD IA
Recording Date	Jan 3, 2025
Property Address	1186 E AVE, CHARTER OAK, IA 51439-7536
Document Number	0020250022
Map Reference	DOC 2024-1847
Instrument Date	Dec 24, 2024
Instrument	2025-0022
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$447.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1186 E AVE, CHARTER OAK, IA 51439-7536
Investor	Possibly a Property Investor

Mortgage

Document Number	0020250023
Date	Jan 3, 2025
Instrument	2025-0023

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

Tax Assessment & Valuation

Source: Crawford County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Crawford County
Unified School District	Schleswig Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,826.00	$324,410 (-18.28%) Land $3,850 Building $320,560	$324,410 (-18.28%) Land $3,850 Building $320,560
2024	$3,826.00 (-18.04%)
2023		$397,000 (+28.86%) Land $84,310 Building $312,690	$397,000 (+28.86%) Land $84,310 Building $312,690
2022	$4,668.00 Homeowner's exemption	$308,090 Land $62,190 Building $245,900
2021			$308,090 Land $62,190 Building $245,900

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 1, 2021

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 burnable land within ember reach

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	300 / 100
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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