1220 Elder Ave, Rock Rapids, IA 51246 Property Records

Lyon County property record for 1220 Elder Ave, Rock Rapids, IA 51246

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,802 sqft · built 1920
Lot Size	3.05 acres (133,294 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Nov 1998)
Tax Bill	$1,494 (2022)
Deeds & Mortgages	May 2021 Mortgage Jul 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`060002012112000`

Property Details

APN / Parcel Number

Primary APN	`060002012112000`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,802 sqft Living Area
1st Floor Area	848 sqft
Basement Area	1,208 sqft
Finished Basement	500 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	133,294 sqft (3.05 acres)
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Deck Area	684 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	1220 ELDER AVE
City	ROCK RAPIDS
State	IA
Zip	51246-7514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 IN REPLAT OF PARCEL A REVISED IN NE1/4
Jurisdiction	LYON IA
Township / Civil Division	ALLISON
Census Block Group	1
Census Block	1021
Census Tract	950300

Owner

Source: Lyon County records, as of October 9, 2025

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
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Jul 25, 2025	Deed of Trust, Mortgage · Line of Credit AMERICAN STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 1998 · Amount on Record
Deed Sale	Nov 13, 1998 · Amount on Record
Deed Document Number	0000022695
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	1220 ELDER AVE, ROCK RAPIDS, IA 51246-7514
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1645
Date	May 26, 2021
Book Page	2021/1645
Instrument	2021 1645

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	1220 ELDER AVE, ROCK RAPIDS, IA 51246-7514
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2096 ELMWOOD AVE, ALVORD, IA 51230-7534

Mortgage

Document Number	02025/1654
Date	Jul 25, 2025
Book Page	2025/1654
Instrument	2025 1654

Lender

Name	AMERICAN STATE BANK
Type	Bank
Address	ALVORD, IA 51230

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lyon County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Lyon County
Unified School District	West Lyon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$199,340 (+33.7%) Land $3,410 Building $195,930	$199,340 (+33.7%) Land $3,410 Building $195,930
2022	$1,494.00 Homeowner's exemption Additional exemption filed	$149,100 Land $2,510 Building $146,590
2021			$149,100 Land $2,510 Building $146,590

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 September 23, 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	Low lower than 98% of the US · lower than 82% 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	LYON-SIOUX RWS-ROCK RAPIDS private · serves 1,187 people · EPA ID IA6000800
Water Source	Purchased groundwater from several systems
Last State Inspection	Oct 2024
Lead	2 ppb (2022–2024) 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Fiber	1,000 / 1,000
Alliance Communications Cooperative Fiber	1,000 / 1,000

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