Lyon County property record for 1305 S 3rd Ave, Rock Rapids, IA 51246
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,008 sqft · built 1955 |
| Lot Size | 0.321 acres (14,015 sqft) |
| Owner | Individual Name on File |
| Last Sale | $50,000 (Jul 2012) |
| Tax Bill | $1,562 (2024) |
| Deeds & Mortgages | Apr 2020 Refinance Dec 2018 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 350000057900000 |
| Primary APN | 350000057900000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Basement Area | 1,008 sqft |
| Game Room | Game Room |
| Interior Walls | Plaster |
| Year Built | Built 1955 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 14,015 sqft (0.321 acres) |
| Garage Type | Mixed |
| Garage Area | 848 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Porch |
| Porch Area | 18 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 1305 S 3RD AVE |
|---|---|
| City | ROCK RAPIDS |
| State | IA |
| Zip | 51246-1214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SINGLE-FAMILY DWELLINGS |
| Legal Description | VAN ANNE ADD LOT 9 & LOT 8 EXC S 98' OF E 55' OF LOT 8 |
| Legal Subdivision | ANNE ADD |
| Legal Lot Number | 8,9 |
| Jurisdiction | LYON IA |
| Township / Civil Division | ROCK |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950200 |
1305 S 3rd Ave is owned and occupied by an individual who bought it in July 2012.
Source: Lyon County records, as of October 9, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1305 S 3RD AVE, ROCK RAPIDS, IA 51246-1214 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HOMEOWNERS FINANCE CENTER |
| Dec 5, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance HOMEOWNERS FINANCE CENTER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2012 · Amount on File |
| Deed Sale | Jul 20, 2012 · Amount on File |
| Deed Document Number | 2012 2052 |
| Deed Book / Page | 2012 / 2052 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON IA |
| Property Address | 1305 S 3RD AVE, ROCK RAPIDS, IA 51246-1214 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/717 |
|---|---|
| Date | Apr 1, 2020 |
| Book Page | 2020/717 |
| Instrument | 717 |
| Name | HOMEOWNERS FINANCE CENTER |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON IA |
| Property Address | 1305 S 3RD AVE, ROCK RAPIDS, IA 51246-1214 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018/2882 |
|---|---|
| Date | Dec 5, 2018 |
| Book Page | 2018/2882 |
| Instrument | 2882 |
| Name | HOMEOWNERS FINANCE CENTER |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2034 |
Source: Lyon County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Lyon County |
| Municipality | Rock Rapids City |
| Unified School District | Central Lyon Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $124,440 Land $30,970 Building $93,470 | $124,440 Land $30,970 Building $93,470 | |
| 2024 | $1,562.00 | ||
| 2023 | $102,330 (+17.66%) Land $30,970 Building $71,360 | $102,330 Land $30,970 Building $71,360 | |
| 2022 | $1,458.00 | $86,970 Land $30,970 Building $56,000 | |
| 2021 | $86,970 Land $30,970 Building $56,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1305 S 3rd Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.
Source: FEMA National Flood Hazard Layer, effective September 23, 2021 · 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 | 1 in force |
| Nearby Flood Claims | 1 (1993) |
| Most Recent Claim | May 1993 · Severe Storms & Flooding |
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.
Wildfire risk around 1305 S 3rd Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 76% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Premier Communications Cable · Fiber in parts of the area | 1,000 / 100 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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