203 E River Rd, Oakville, IA 52646 Property Records

Louisa County property record for 203 E River Rd, Oakville, IA 52646

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 900 sqft · built 1982
Lot Size	0.926 acres (40,320 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Nov 2025)
Tax Bill	$1,466 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`13-24-352-003`

Property Details

APN / Parcel Number

Primary APN	`13-24-352-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
Basement Area	900 sqft
Finished Basement	450 sqft
Unfinished Basement	450 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Split Foyer
Exterior Material	Vinyl
Roof Type	Gable
Lot Area	40,320 sqft (0.926 acres)
Lot Dimensions	252 ft deep x 160 ft wide

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Deck Area	60 sqft
Patio Area	1,500 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	203 E RIVER RD
City	OAKVILLE
State	IA
Zip	52646-4736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	24-73-2 GERST BROS ADD L2-3
Legal Range	02W
Legal Township	73N
Legal Section	24
Legal Subdivision	GERST BROTHER S ADDITION
Jurisdiction	LOUISA IA
Township / Civil Division	ELIOT
Census Block Group	3
Census Block	3012
Census Tract	450300

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	203 E RIVER RD, OAKVILLE, IA 52646-4736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Warranty Deed, Transfer · Conventional Mortgage TWO RIVERS BANK & TRUST
Oct 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BANK
Jul 20, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage BANK
Jul 20, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 20, 2025 · Amount on Record
Deed Sale	Nov 20, 2025 · Amount on Record
Deed Document Number	20251681
Prior Transfer Date	Sep 24, 2021
Prior Transfer Doc	0000001663
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUISA IA
Recording Date	Nov 20, 2025
Property Address	203 E RIVER RD, OAKVILLE, IA 52646-4736
Document Number	0020251681
Instrument Date	Oct 31, 2025
Instrument	2025-1681
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$239.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 E RIVER RD, OAKVILLE, IA 52646-4736

Mortgage

Document Number	0020251682
Date	Nov 20, 2025
Instrument	2025-1682

Lender

Name	TWO RIVERS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUISA IA
Recording Date	Oct 1, 2021
Property Address	203 E RIVER RD, OAKVILLE, IA 52646-4736
Document Number	20211663
Instrument Date	Sep 24, 2021
Instrument	2021-1663
Transaction Type	Transfer
Record Updated	Nov 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 E RIVER RD, OAKVILLE, IA 52646-4736

Mortgage

Document Number	20211667
Date	Oct 4, 2021
Instrument	2021-1667

Lender

Name	BANK
Type	Bank
Address	53653

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 29, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Type Change Date	Sep 29, 2026
Change Frequency	5 Years
Min Rate At Change	4.3%
Max Rate At Change	6.3%
Index	5-Year CMT
Max Rate	10.3%

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUISA IA
Recording Date	Jul 20, 2017
Property Address	203 E RIVER RD, OAKVILLE, IA 52646-4736
Document Number	1704440GAP1
Instrument Date	Jun 30, 2017
Instrument	170444-0-GAP1
Transaction Type	Transfer
Record Updated	Oct 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	203 E RIVER RD, OAKVILLE, IA 52646-4736

Mortgage

Document Number	E170445
Date	Jul 20, 2017
Instrument	E-170445

Lender

Name	BANK
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUISA IA
Recording Date	Jul 20, 2017
Property Address	203 E RIVER RD, OAKVILLE, IA 52646-4736
Document Number	E170444
Instrument Date	Jun 30, 2017
Instrument	E-170444
Transaction Type	Transfer
Record Updated	Oct 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	203 E RIVER RD, OAKVILLE, IA 52646-4736

Mortgage

Document Number	E170445
Date	Jul 20, 2017
Instrument	E-170445

Lender

Name	BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Louisa County
Municipality	Oakville City
Unified School District	Wapello Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,466.00 (+22.17%) Homeowner's exemption	$93,890 (+5.39%) Land $8,660 Building $85,230	$93,890 (+5.39%) Land $8,660 Building $85,230
2024	$1,200.00 (-3.07%)
2023		$89,090 (+35.66%) Land $8,660 Building $80,430	$89,090 (+35.66%) Land $8,660 Building $80,430
2022	$1,238.00 Homeowner's exemption	$65,670 Land $8,660 Building $57,010
2021			$65,670 Land $8,660 Building $57,010

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 48 policies
Nearby Flood Policies	48 in force
Nearby Flood Claims	34 (1982–2019)
Claims Outside the SFHA	29 of 34
Most Recent Claim	Jun 2019 · other causes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 26 claims Severe Storms & Flooding, Jul 1993 · 2 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 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OAKVILLE WATER SUPPLY serves 200 people · EPA ID IA5868085
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Uniti Group DSL · Fixed Wireless	200 / 20
T-Mobile USA Fixed Wireless	100 / 20
MTC Technologies Fixed Wireless · Fiber in parts of the area	50 / 10
Mutual Telephone Company of Morning Sun, Iowa Fixed Wireless	25 / 3

May also be available: AMG Technology Investment Group.

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