1981 185th Ave, Percival, IA 51648 Property Records

Fremont County property record for 1981 185th Ave, Percival, IA 51648

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,230 sqft · built 2003
Lot Size	2.64 acres (114,998 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Jun 2020)
Tax Bill	$5,034 (2026)
Deeds & Mortgages	May 2018 Mortgage Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`020020120000000`

Property Details

APN / Parcel Number

Primary APN	`020020120000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,230 sqft Living Area
1st Floor Area	2,230 sqft
Basement Area	2,230 sqft
Unfinished Basement	2,230 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	114,998 sqft (2.64 acres)
Garage Type	Mixed
Garage Area	1,384 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	320 sqft
Deck Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1981 185TH AVE
City	PERCIVAL
State	IA
Zip	51648-6006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PCL A E1/2 SW1/4 19-69-43
Legal Range	43W
Legal Township	69N
Legal Section	19
Jurisdiction	FREMONT IA
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3161
Census Tract	970300

Owner

1981 185th Ave is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1981 185TH AVE, PERCIVAL, IA 51648-6006
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
May 11, 2018	Deed of Trust, Mortgage FIRST NATIONAL BANK
Jun 29, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Jun 5, 2017	Warranty Deed, Transfer · Conventional Mortgage CENTRAL NATIONAL BANK
Oct 22, 2015	Joint Tenancy Deed, Transfer TERRY GUNDERSON ETUX

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2020 · Amount on File
Deed Sale	Jun 29, 2020 · Amount on File
Prior Sale	Jun 5, 2017 · Amount on File
Deed Document Number	2020764
Deed Book / Page	2020 / 764
Prior Transfer Date	May 29, 2015
Prior Transfer Doc	02015/1291
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT IA
Property Address	1981 185TH AVE, PERCIVAL, IA 51648-6006
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000658
Date	May 11, 2018
Book Page	0000002018/0000000658
Instrument	20180658

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2048

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT IA
Recording Date	Jun 29, 2020
Property Address	1981 185TH AVE, PERCIVAL, IA 51648-6006
Document Number	02020/0764
Book / Page	2020 / 0764
Map Reference	BK 10 PG 119
Instrument Date	Jun 17, 2020
Instrument	20200764
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$343.20
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	1981 185TH AVE, PERCIVAL, IA 51648-6006

Mortgage

Document Number	02020/0765
Date	Jun 29, 2020
Book Page	2020/0765
Instrument	20200765

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT IA
Recording Date	Jun 5, 2017
Property Address	1981 185TH AVE, PERCIVAL, IA 51648-6006
Document Number	02017/0708
Book / Page	2017 / 0708
Instrument Date	Jun 1, 2017
Instrument	20170708
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	CLEAR TITLE & ABSTRACT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$351.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1981 185TH AVE, PERCIVAL, IA 51648-6006

Mortgage

Document Number	02017/0709
Date	Jun 5, 2017
Book Page	2017/0709
Instrument	20170709

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender
Address	JUNCTION CITY, KS 66441

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

October 2015: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	FREMONT IA
Recording Date	Oct 22, 2015
Property Address	1981 185TH AVE, PERCIVAL, IA 51648-6006
Document Number	02015/1291
Book / Page	2015 / 1291
Map Reference	MB 10 PG 119
Instrument Date	May 29, 2015
Instrument	20151291
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$439.20
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1981 185TH AVE, PERCIVAL, IA 51648-6006

Mortgage

Document Number	0020151292
Date	Oct 22, 2015
Instrument	20151292

Lender

Name	TERRY GUNDERSON ETUX
Type	Private Party

Agreement

Amount	Amount on Record
Term	57 Months
Due	Jul 1, 2020

Tax Assessment & Valuation

The 2026 property tax bill for 1981 185th Ave was $5,034 with a homeowner's exemption.

Source: Fremont County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Fremont County
Unified School District	Sidney Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,034.00	$427,070 (-) Land $36,480 Building $390,590	$427,070 (-) Land $36,480 Building $390,590
2025	$5,034.00 (+6%) Homeowner's exemption	$427,070 Land $36,480 Building $390,590	$427,070 Land $36,480 Building $390,590
2024	$4,749.00
2023		$381,050 (+35.57%) Land $36,480 Building $344,570	$381,050 Land $36,480 Building $344,570
2022	$4,053.00 Homeowner's exemption	$281,070 Land $34,810 Building $246,260
2021			$281,070 Land $34,810 Building $246,260

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

Flood

FEMA maps place 1981 185th Ave in Zone X, an area of minimal flood risk, though there have been 84 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective February 24, 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 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	84 (1993–2019)
Claims Outside the SFHA	80 of 84
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 34 claims Flooding, Aug 2011 · 39 claims Severe Storms & Flooding, Aug 1993 · 5 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 1981 185th Ave 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 80% of the US · above 49% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	800 / 400
T-Mobile Fixed Wireless	100 / 20
Windstream Fixed Wireless · DSL in parts of the area	75 / 10

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