1401 Oak St, Sheldon, IA 51201 Property Records

O'Brien County property record for 1401 Oak St, Sheldon, IA 51201

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,484 sqft · built 1974
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Feb 2018)
Tax Bill	$3,492 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0048290000`

Property Details

APN / Parcel Number

Primary APN	`0048290000`
Alternative APN	`0000482900`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	1 Story
Building Area	1,484 sqft Living Area
1st Floor Area	952 sqft
Basement Area	1,204 sqft
Finished Basement	653 sqft
Unfinished Basement	252 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	A-Frame
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	616 sqft

Exterior Amenities

Deck Area	75 sqft
Patio Area	363 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	1401 OAK ST
City	SHELDON
State	IA
Zip	51201-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	29-97-42 BEG 50 E & 659.9 N OF SW COR SW 1/4, N 100, E 100,S 100 W 100 TO BEG
Legal Range	42W
Legal Township	97N
Legal Section	29
Jurisdiction	O'BRIEN IA
Township / Civil Division	FLOYD
Census Block Group	1
Census Block	1010
Census Tract	490300

Owner

1401 Oak St is owned and occupied by two individuals who bought it in February 2018.

Source: O'Brien County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1401 OAK ST, SHELDON, IA 51201-1324
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Aug 23, 2022	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK
Dec 29, 2017	Deed of Trust, Mortgage · Construction Mortgage IOWA STATE BANK
Feb 5, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2018 · Amount on File
Deed Sale	Feb 5, 2018 · Amount on File
Deed Document Number	2018337
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	O'BRIEN IA
Property Address	1401 OAK ST, SHELDON, IA 51201-1324
Transaction Type	Mortgage
Record Updated	Oct 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 9TH AVE, SHELDON, IA 51201-1818

Mortgage

Document Number	0020222250
Date	Aug 24, 2022
Instrument	2022-2250

Lender

Name	PEOPLES BANK
Type	Bank
Address	SIOUX CENTER, IA 51250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2037

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	O'BRIEN IA
Recording Date	Aug 23, 2022
Property Address	1401 OAK ST, SHELDON, IA 51201-1324
Document Number	0020222240
Instrument Date	Aug 9, 2022
Instrument	2022-2240
Transaction Type	Transfer
Record Updated	Oct 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$371.20
Amount Accuracy	Rounded by County
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	1401 OAK ST, SHELDON, IA 51201-1324

Mortgage

Document Number	0020222241
Date	Aug 23, 2022
Instrument	2022-2241

Lender

Name	PEOPLES BANK
Type	Bank
Address	SIOUX CENTER, IA 51250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2037

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	O'BRIEN IA
Property Address	1401 OAK ST, SHELDON, IA 51201-1324
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201703029
Date	Dec 29, 2017
Instrument	2017-03029

Lender

Name	IOWA STATE BANK
Type	Bank
Address	HULL, IA 51239

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 22, 2018

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	O'BRIEN IA
Recording Date	Feb 5, 2018
Property Address	1401 OAK ST, SHELDON, IA 51201-1324
Document Number	201800337
Instrument Date	Jan 31, 2018
Instrument	2018-00337
Transaction Type	Transfer
Record Updated	Oct 18, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279.20
Amount Accuracy	Rounded by County
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	1401 OAK ST, SHELDON, IA 51201-1324

Mortgage

Document Number	201800338
Date	Feb 5, 2018
Instrument	2018-00338

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1401 Oak St was $3,492 with a homeowner's exemption, down 1.1% from the year before.

Source: O'Brien County assessment roll, as of December 19, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	O'Brien County
Municipality	Sheldon City
Unified School District	Sheldon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,492.00 (-1.13%) Homeowner's exemption	$239,790 Land $24,200 Building $215,590	$239,790 Land $24,200 Building $215,590
2024	$3,532.00
2023		$224,700 (+23.16%) Land $24,200 Building $200,500	$224,700 Land $24,200 Building $200,500
2022	$3,238.00	$182,450 Land $11,440 Building $171,010
2021			$182,450 Land $11,440 Building $171,010

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1401 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 16, 2020

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

Wildfire risk around 1401 Oak St 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SHELDON WATER DEPARTMENT serves 5,512 people · EPA ID IA7170040
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (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 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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