225 E Monroe St, Winthrop, IA 50682 Property Records

Buchanan County property record for 225 E Monroe St, Winthrop, IA 50682

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,225 sqft · built 1880
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Jul 2025)
Tax Bill	$1,348 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0736429003`

Property Details

APN / Parcel Number

Primary APN	`0736429003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,225 sqft Living Area
Attic	Attic
Attic Area	284 sqft
Basement Area	631 sqft
Unfinished Basement	631 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	A-Frame
Exterior Material	Other
Construction Type	Frame
Foundation Type	Stone
Roof Type	Hip
Lot Area	6,970 sqft (0.16 acres)
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	225 E MONROE ST
City	WINTHROP
State	IA
Zip	50682-9777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 49.5'E & 6'S &80' E SE COR CORNICKSBLK 2 N132' E52'S132' W T O POB
Legal Subdivision	CORNICKS
Legal Block	2
Jurisdiction	BUCHANAN IA
Township / Civil Division	BYRON
Census Block Group	3
Census Block	3058
Census Tract	950100

Owner

Source: Buchanan County records, as of October 9, 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	225 E MONROE ST, WINTHROP, IA 50682-9777
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage WCF FINANCIAL BANK
Jan 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WCF FINANCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2025 · Amount on Record
Deed Sale	Jul 2, 2025 · Amount on Record
Prior Sale	Jan 27, 2022 · Amount on Record
Deed Document Number	20252040
Prior Transfer Date	Oct 5, 2005
Prior Transfer Doc	2005R03909
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Jul 2, 2025
Property Address	225 E MONROE ST, WINTHROP, IA 50682-9777
Document Number	2025R02040
Instrument Date	Jun 30, 2025
Instrument	2025R02040
Transaction Type	Transfer
Record Updated	Dec 4, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.20
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	225 E MONROE ST, WINTHROP, IA 50682-9777

Mortgage

Document Number	2025R02041
Date	Jul 2, 2025
Instrument	2025R02041

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	225 E MONROE ST, WINTHROP, IA 50682-9777
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R00320
Date	Jan 27, 2022
Instrument	2022R00320

Lender

Name	WCF FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	225 E MONROE ST, WINTHROP, IA 50682-9777
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202020R00065
Date	Jan 7, 2020
Instrument	202020R00065

Lender

Name	WCF FINANCIAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Feb 1, 2025

Tax Assessment & Valuation

Source: Buchanan County assessment roll, as of September 22, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Buchanan County
Municipality	Winthrop City
Unified School District	East Buchanan Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,348.00 (+24.58%)	$92,130 (+15.47%) Land $7,560 Building $84,570	$92,130 (+15.47%) Land $7,560 Building $84,570
2023	$1,082.00	$79,790 Land $6,750 Building $73,040	$79,790 Land $6,750 Building $73,040

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 December 29, 2020 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	May 2004 · Severe Storms, Tornadoes, And Flooding

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	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.

Drinking Water

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

Water System	WINTHROP WATER SUPPLY serves 840 people · EPA ID IA1093031
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2021–2023) 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
East Buchanan Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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