202 Mill Pond Rd, Rock Rapids, IA 51246 Property Records

Lyon County property record for 202 Mill Pond Rd, Rock Rapids, IA 51246

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,856 sqft · built 2000
Lot Size	0.431 acres (18,774 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Mar 2024)
Tax Bill	$6,178 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`350000124862000`

Property Details

APN / Parcel Number

Primary APN	`350000124862000`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,856 sqft Living Area
1st Floor Area	1,840 sqft
Basement Area	1,840 sqft
Finished Basement	1,072 sqft
Unfinished Basement	767 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,774 sqft (0.431 acres)
Lot Dimensions	184 ft deep x 104 ft wide
Garage Type	Attached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Deck Area	81 sqft
Patio Area	284 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	202 MILL POND RD
City	ROCK RAPIDS
State	IA
Zip	51246-2076
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	MILL POND 1ST ADD LOT 13, BLK 1
Legal Subdivision	1ST ADD
Legal Block	1
Legal Lot Number	13
Jurisdiction	LYON IA
Township / Civil Division	ROCK
Census Block Group	1
Census Block	1026
Census Tract	950200

Owner

Source: Lyon County records, as of April 15, 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	202 MILL POND RD, ROCK RAPIDS, IA 51246-2076
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage SECURITY SAVINGS BANK
Mar 25, 2024	Warranty Deed, Transfer · Conventional Mortgage SECURITY SAVINGS BANK
Jun 20, 2023	Deed, Transfer · Conventional Mortgage AMERICAN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2024 · Amount on Record
Deed Sale	Mar 25, 2024 · Amount on Record
Prior Sale	Jun 20, 2023 · Amount on Record
Deed Document Number	2024616
Deed Book / Page	2024 / 616
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	202 MILL POND RD, ROCK RAPIDS, IA 51246-2076
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 MILL POND RD, ROCK RAPIDS, IA 51246-2076

Mortgage

Document Number	002026/784
Date	Mar 30, 2026
Book Page	2026/784
Instrument	2026 0784

Lender

Name	SECURITY SAVINGS BANK
Type	Bank
Address	CANTON, SD 57013

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Mar 25, 2024
Property Address	202 MILL POND RD, ROCK RAPIDS, IA 51246-2076
Document Number	002024/616
Book / Page	2024 / 616
Instrument Date	Mar 3, 2024
Instrument	2024 616
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$639.20
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	205 MILL POND RD, ROCK RAPIDS, IA 51246-2076

Mortgage

Document Number	0002024617
Date	Mar 25, 2024
Instrument	2024 617

Lender

Name	SECURITY SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LYON IA
Recording Date	Jun 20, 2023
Property Address	202 MILL POND RD, ROCK RAPIDS, IA 51246-2076
Document Number	02023/1225
Book / Page	2023 / 1225
Instrument Date	May 31, 2023
Instrument	2023 1225
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$623.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 MILL POND RD, ROCK RAPIDS, IA 51246-2076

Mortgage

Document Number	02023/1227
Date	Jun 20, 2023
Book Page	2023/1227
Instrument	2023 1227

Lender

Name	AMERICAN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

Source: Lyon County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Lyon County
Municipality	Rock Rapids City
Unified School District	Central Lyon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,178.00	$495,890 (+24.87%) Land $35,500 Building $460,390	$495,890 (+24.87%) Land $35,500 Building $460,390
2024	$6,178.00 (+25.37%)
2023		$397,120 (+29.59%) Land $35,500 Building $361,620	$397,120 (+29.59%) Land $35,500 Building $361,620
2022	$4,928.00 (-1.08%) Homeowner's exemption	$306,440 Land $35,500 Building $270,940
2021	$4,982.00		$306,440 Land $35,500 Building $270,940

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 September 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	41 (1993–2024)
Claims Outside the SFHA	8 of 41
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 · 8 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 24 claims Severe Storms & Flooding, Jul 1993 · 8 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

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

Wildfire Risk	Low lower than 93% of the US · above 40% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	LYON-SIOUX RWS-ROCK RAPIDS private · serves 1,187 people · EPA ID IA6000800
Water Source	Purchased groundwater from several systems
Last State Inspection	Oct 2024
Lead	2 ppb (2022–2024) 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Cable · Fiber in parts of the area	1,000 / 100
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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