16174 185th St, Whiting, IA 51063 Property Records

Monona County property record for 16174 185th St, Whiting, IA 51063

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,680 sqft · built 1974
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (Aug 2025)
Tax Bill	$1,794 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`844617250007`

Property Details

APN / Parcel Number

Primary APN	`844617250007`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft
Basement Area	1,680 sqft
Finished Basement	1,260 sqft
Unfinished Basement	420 sqft
Flooring	Softwood
Interior Walls	Paneling

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	46,609 sqft (1.07 acres)
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Granary	1,713 sqft
Utility Building	2,916 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16174 185TH ST
City	WHITING
State	IA
Zip	51063-8733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17-84-46 PT SW NW
Legal Range	46W
Legal Township	84N
Legal Section	17
Jurisdiction	MONONA IA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1154
Census Tract	960200

Owner

16174 185th St is owned and occupied by two individuals who bought it in August 2025.

Source: Monona County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16174 185TH ST, WHITING, IA 51063-8733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2025 · Amount on File
Deed Sale	Aug 4, 2025 · Amount on File
Deed Document Number	20251026
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONONA IA
Recording Date	Aug 4, 2025
Property Address	16174 185TH ST, WHITING, IA 51063-8733
Document Number	0020251026
Instrument Date	Jul 28, 2025
Instrument	2025-1026
Transaction Type	Transfer
Record Updated	May 19, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.20
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
Address	16174 185TH ST, WHITING, IA 51063-8733

Mortgage

Document Number	0020251027
Date	Aug 4, 2025
Instrument	2025-1027

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	7.5%
Max Rate At Change	9.5%
Margin	3
Max Rate	13.5%

Tax Assessment & Valuation

The 2026 property tax bill for 16174 185th St was $1,794 with a homeowner's exemption.

Source: Monona County assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Monona County
Unified School District	Whiting Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,794.00 Homeowner's exemption	$233,267 (+23.52%) Land $50,560 Building $182,707	$233,267 (+23.52%) Land $50,560 Building $182,707
2025	$1,794.00 (+5.78%)	$188,854 Land $19,250 Building $169,604	$188,854 Land $19,250 Building $169,604
2024	$1,696.00
2023		$163,861 (+17.05%) Land $19,250 Building $144,611	$163,861 Land $19,250 Building $144,611
2022	$1,590.00 Homeowner's exemption	$139,993
2021			$139,993

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

Flood

FEMA maps place 16174 185th St in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective June 15, 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
Flood Insurance Cost	Premium on File median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	24 (2011–2024)
Claims Outside the SFHA	14 of 24
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 claims Severe Storms And Flooding, Jun 2019 · 3 claims Flooding, Jul 2011 · 12 claims

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

Wildfire risk around 16174 185th St is low, with 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	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.

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	400 / 100
Verizon Fixed Wireless	25 / 6
Rise Broadband Fixed Wireless	25 / 5

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