Cerro Gordo County property record for 1204 Ruby Ct, Mason City, IA 50401
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 2,464 sqft · built 2000 |
| Lot Size | 0.362 acres (15,769 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $485,000 (Jun 2026) |
| Tax Bill | $5,984 (2025) |
| Deeds & Mortgages | Sep 2024 Mortgage Apr 2025 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 071417700300 |
| Primary APN | 071417700300 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,464 sqft Living Area |
| 1st Floor Area | 1,256 sqft |
| Basement Area | 1,256 sqft |
| Finished Basement | 1,050 sqft |
| Unfinished Basement | 206 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,769 sqft (0.362 acres) |
| Lot Dimensions | 150 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 1,118 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 150 sqft |
| Deck Area | 247 sqft |
| Patio Area | 247 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 1204 RUBY CT |
|---|---|
| City | MASON CITY |
| State | IA |
| Zip | 50401-6990 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L 14 STONE PILLAR 7TH SUB |
| Legal Range | 20W |
| Legal Township | 96N |
| Legal Section | 14 |
| Legal Subdivision | STONE PILLAR 7TH SUB |
| Legal Lot Number | 14 |
| Jurisdiction | CERRO GORDO IA |
| Township / Civil Division | MASON CITY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 951400 |
Source: Cerro Gordo County records, as of June 15, 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 | 1204 RUBY CT, MASON CITY, IA 50401-6990 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 6, 2024 | Deed of Trust, Mortgage · Conventional Mortgage CENT CU |
| Apr 1, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CLEAR LAKE BANK AND TRUST CO |
| Mar 31, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CLEAR LAKE BANK AND TRUST CO |
| Jun 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK |
| Jun 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2026 · Amount on Record |
| Deed Sale | Jun 5, 2026 · Amount on Record |
| Prior Sale | Jan 14, 2025 · Amount on Record |
| Deed Document Number | 20262934 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CERRO GORDO IA |
| Property Address | 1204 RUBY CT, MASON CITY, IA 50401-6990 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02024/4219 |
|---|---|
| Date | Sep 6, 2024 |
| Book Page | 2024/4219 |
| Instrument | 2024-4219 |
| Name | CENT CU |
|---|---|
| Type | Credit Union |
| Address | MASON CITY, IA 50401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 15, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CERRO GORDO IA |
| Property Address | 1204 RUBY CT, MASON CITY, IA 50401-6990 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1204 RUBY CT, MASON CITY, IA 50401-6990 |
| Document Number | 02025/1575 |
|---|---|
| Date | Apr 1, 2025 |
| Book Page | 2025/1575 |
| Instrument | 2025-1575 |
| Name | CLEAR LAKE BANK AND TRUST CO |
|---|---|
| Type | Bank |
| Address | CLEAR LAKE, IA 50428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 62 Months |
| Due | Jun 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CERRO GORDO IA |
| Property Address | 1204 RUBY CT, MASON CITY, IA 50401-6990 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1204 RUBY CT, MASON CITY, IA 50401-6990 |
| Document Number | 02025/1528 |
|---|---|
| Date | Mar 31, 2025 |
| Book Page | 2025/1528 |
| Instrument | 2025-1528 |
| Name | CLEAR LAKE BANK AND TRUST CO |
|---|---|
| Type | Bank |
| Address | CLEAR LAKE, IA 50428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 63 Months |
| Due | Jun 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CERRO GORDO IA |
| Recording Date | Jun 5, 2026 |
| Property Address | 1204 RUBY CT, MASON CITY, IA 50401-6990 |
| Document Number | 0000002934 |
| Instrument Date | May 26, 2026 |
| Instrument | 20262934 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $78,295.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1204 RUBY CT, MASON CITY, IA 50401-6990 |
| Document Number | 0000002935, |
|---|---|
| Date | Jun 5, 2026 |
| Instrument | 20262935 |
| Name | FIRST CITIZENS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CERRO GORDO IA |
| Recording Date | Jun 5, 2026 |
| Property Address | 1204 RUBY CT, MASON CITY, IA 50401-6990 |
| Document Number | 02026/2934 |
| Instrument Date | May 26, 2026 |
| Instrument | 20262934 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $78,295.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1204 RUBY CT, MASON CITY, IA 50401-6990 |
| Document Number | 0000002935, |
|---|---|
| Date | Jun 5, 2026 |
| Instrument | 20262935 |
| Name | FIRST CITIZENS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Cerro Gordo County assessment roll, as of November 14, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Cerro Gordo County |
| Municipality | Mason City |
| Unified School District | Mason City Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,984.00 | $411,820 (+7.26%) Land $54,790 Building $357,030 | $411,820 (+7.26%) Land $54,790 Building $357,030 |
| 2024 | $5,984.00 (-2.22%) | ||
| 2023 | $383,940 (+20.7%) Land $54,790 Building $329,150 | $383,940 (+20.7%) Land $54,790 Building $329,150 | |
| 2022 | $6,120.00 Homeowner's exemption | $318,100 Land $42,150 Building $275,950 | $318,100 Land $42,150 Building $275,950 |
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 December 14, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 12 (1979–2018) |
| Claims Outside the SFHA | 1 of 12 |
| Most Recent Claim | Jun 2018 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| Claims by Event |
|
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MASON CITY WATER DEPARTMENT serves 27,338 people · EPA ID IA1750048 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 180 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| Router12 Networks Fixed Wireless | 100 / 20 |
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