19653 490th St, Oakland, IA 51560 Property Records

Pottawattamie County property record for 19653 490th St, Oakland, IA 51560

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 2000
Lot Size	5 acres (217,800 sqft)
Owner	2 Trust Names on File
Tax Bill	$2,450 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7538 17 100 003`

Property Details

APN / Parcel Number

Primary APN	`7538 17 100 003`
Alternative APN	`085 028 017 025260 001 000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Base Area
1st Floor Area	1,232 sqft
Basement Area	280 sqft
Unfinished Basement	280 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Area	696 sqft

Exterior Amenities

Patio Area	216 sqft
Shed	1 Shed
Shed Area	240 sqft
Granary	Granary
Utility Building	700 sqft

Location & Zoning

Street Address	19653 490TH ST
City	OAKLAND
State	IA
Zip	51560-4625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	WRIGHT TWP 17-75-38 PT SW NW COMM 642.75'N W1/4 COR TH N680' E356.08' S671.65' W355.97' TOPOB~(PARCEL A)
Legal Range	380
Legal Township	750
Legal Section	17
Jurisdiction	POTTAWATTAMIE IA
Township / Civil Division	WRIGHT
Census Block Group	2
Census Block	2004
Census Tract	21702

Owner

19653 490th St is owner-occupied and held in a trust since February 2026.

Source: Pottawattamie County records, as of September 23, 2026

Owner of Record	2 Trust Names on File
Mailing Address	19653 490TH ST, OAKLAND, IA 51560-4625
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jul 16, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY FIRST CREDIT UNION
Jan 28, 2021	Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC
Dec 21, 2019	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS
Feb 9, 2019	Deed of Trust, Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 6, 2026
Transfer Doc	0000001460
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATTAMIE IA
Recording Date	Jul 16, 2026
Property Address	19653 490TH ST, OAKLAND, IA 51560-4625
Document Number	0000008148
Instrument Date	Jun 22, 2026
Instrument	20268148
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	19653 490TH ST, OAKLAND, IA 51560-4625

Mortgage

Document Number	0000008148,
Date	Jul 16, 2026
Instrument	20268148

Lender

Name	COMMUNITY FIRST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jun 28, 2051

Interest

Rate	6.51%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATTAMIE IA
Property Address	19653 490TH ST, OAKLAND, IA 51560-4625
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19653 490TH ST, OAKLAND, IA 51560-4625

Mortgage

Document Number	0000001326
Date	Jan 28, 2021
Book Page	2021/1326

Lender

Name	RUSHMORE LOAN MANAGEMENT SERVICES LLC
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jan 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATTAMIE IA
Property Address	19653 490TH ST, OAKLAND, IA 51560-4625
Document Number	0000000330
Instrument Date	Dec 21, 2019
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19653 490TH ST OAKLAND IA 515604625, OAKLAND, IA 51560-4625

Mortgage

Document Number	0000000330
Date	Jan 9, 2020
Instrument	330

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATTAMIE IA
Property Address	19653 490TH ST, OAKLAND, IA 51560-4625
Document Number	0000001713
Instrument Date	Feb 9, 2019
Transaction Type	Mortgage
Record Updated	Mar 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19653 490TH ST OAKLAND IA 515604625, OAKLAND, IA 51560-4625

Mortgage

Document Number	0000001713
Date	Feb 15, 2019
Instrument	1713

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2049

Interest

Rate Type	Adjustable Rate
Rate	8.2%

Tax Assessment & Valuation

The 2025 property tax bill for 19653 490th St was $2,450.

Source: Pottawattamie County assessment roll, as of September 23, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Pottawattamie County
Unified School District	Riverside Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$257,600 Land $57,500 Building $200,100	$257,600 Land $57,500 Building $200,100
2025	$2,450.00
2023		$205,200 Land $50,000 Building $155,200	$205,200 Land $50,000 Building $155,200
2021	$3,598.00

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

Flood

FEMA maps place 19653 490th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

Source: FEMA National Flood Hazard Layer, effective April 16, 2013 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2007)
Most Recent Claim	May 2007 · Severe Storms, Flooding, And Tornadoes

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

The area around 19653 490th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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