1908 Oak St, Atlantic, IA 50022 Property Records

Cass County property record for 1908 Oak St, Atlantic, IA 50022

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,470 sqft · built 1959
Lot Size	0.214 acres (9,324 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (May 2020)
Tax Bill	$3,142 (2026)
Deeds & Mortgages	Feb 2015 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`300006289001000`

Property Details

APN / Parcel Number

Primary APN	`300006289001000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,470 sqft Living Area
1st Floor Area	1,030 sqft
Basement Area	1,030 sqft
Finished Basement	718 sqft
Unfinished Basement	312 sqft
Game Room	Game Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,324 sqft (0.214 acres)

Exterior Amenities

Porch	Slab
Porch Area	39 sqft
Deck Area	232 sqft
Patio Area	129 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1908 OAK ST
City	ATLANTIC
State	IA
Zip	50022-2859
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIR RIDGE ADD.LOT59 (EXC. W2')
Legal Subdivision	FAIR RIDGE ADDITION
Legal Lot Number	59
Jurisdiction	CASS IA
Township / Civil Division	GROVE
Census Block Group	2
Census Block	2027
Census Tract	190400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1908 OAK ST, ATLANTIC, IA 50022-2859
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2015	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER HOME LOANS INC
May 20, 2020	Warranty Deed, Transfer · Conventional Mortgage IOWA BANKERS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2020 · Amount on Record
Deed Sale	May 20, 2020 · Amount on Record
Deed Document Number	2020874
Deed Book / Page	2020 / 874
Record Updated	Oct 29, 2026

February 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	1908 OAK ST, ATLANTIC, IA 50022-2859
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02015/0247
Date	Feb 20, 2015
Book Page	2015/0247

Lender

Name	DISCOVER HOME LOANS INC
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2030

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS IA
Recording Date	May 20, 2020
Property Address	1908 OAK ST, ATLANTIC, IA 50022-2859
Document Number	002020/874
Book / Page	2020 / 874
Instrument Date	May 14, 2020
Instrument	2020-874
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.20
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	1908 OAK ST, ATLANTIC, IA 50022-2859
Investor	Possibly a Property Investor

Mortgage

Document Number	0002020875
Date	May 20, 2020
Instrument	2020/875

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cass County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Cass County
Municipality	Atlantic City
Unified School District	Atlantic Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,142.00	$182,740 (-) Land $14,840 Building $167,900	$182,740 (-) Land $14,840 Building $167,900
2025	$3,142.00 (-13.3%)	$182,740 (-9.31%) Land $14,840 Building $167,900	$182,740 (-9.31%) Land $14,840 Building $167,900
2024	$3,624.00 (+20.64%)
2023		$201,490 Land $14,840 Building $186,650	$201,490 Land $14,840 Building $186,650
2022	$3,004.00

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 May 16, 2017 · 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 Claims	2 (1991–2016)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2016 · rainfall accumulation

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

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	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	ATLANTIC MUNICIPAL UTILITIES serves 7,252 people · EPA ID IA1509074
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) 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 364 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Western Iowa Wireless.

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