19863 490th St, Oakland, IA 51560 Property Records

Pottawattamie County property record for 19863 490th St, Oakland, IA 51560

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 858 sqft · built 1930
Lot Size	3.32 acres (144,619 sqft)
Owner	Individual Name on File
Last Sale	$122,000 (May 2017)
Tax Bill	$1,888 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7538 17 100 002`

Property Details

APN / Parcel Number

Primary APN	`7538 17 100 002`
Alternative APN	`085 028 017 025294 001 000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	858 sqft Base Area
1st Floor Area	858 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	144,619 sqft (3.32 acres)
Garage Area	1,200 sqft
Porch	Porch
Porch Area	367 sqft
Patio Area	320 sqft

Location & Zoning

Street Address	19863 490TH ST
City	OAKLAND
State	IA
Zip	51560-4558
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	WRIGHT TWP 17-75-38 PT NW NW COMM 405.48'S NW COR TH S524.84' E309.93' N519.98' W309.97' TO POB~(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

19863 490th St is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	19863 490TH ST, OAKLAND, IA 51560-4558
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 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 3, 2017	Warranty Deed, Transfer · Conventional Mortgage

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2017 · Amount on File
Deed Sale	May 3, 2017 · Amount on File
Deed Book / Page	2017 / 5466
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATTAMIE IA
Recording Date	May 14, 2026
Property Address	19863 490TH ST, OAKLAND, IA 51560-4558
Document Number	0000005340
Instrument Date	May 9, 2026
Instrument	20265340
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19863 490TH ST, OAKLAND, IA 51560-4558

Mortgage

Document Number	0000005340,
Date	May 14, 2026
Instrument	20265340

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POTTAWATTAMIE IA
Recording Date	May 3, 2017
Property Address	19863 490TH ST, OAKLAND, IA 51560-4558
Document Number	0000005466
Book / Page	2017 / 05466
Instrument Date	Mar 25, 2017
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19863 490TH ST, OAKLAND, IA 51560-4558

Mortgage

Document Number	, 2017/05468
Date	May 3, 2017
Instrument	2017/05468

Lender

Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 19863 490th St was $1,888.

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		$194,800 (-) Land $56,700 Building $138,100	$194,800 (-) Land $56,700 Building $138,100
2025	$1,888.00	$194,800 Land $56,700 Building $138,100	$194,800 Land $56,700 Building $138,100
2023		$160,500 Land $49,300 Building $111,200	$160,500 Land $49,300 Building $111,200
2021	$2,904.00

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

Flood

FEMA maps place 19863 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

Wildfire risk around 19863 490th 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 98% of the US · lower than 82% 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.

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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