2278 185th Ave, Manchester, IA 52057 Property Records

Delaware County property record for 2278 185th Ave, Manchester, IA 52057

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,932 sqft · built 2019
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$34,000 (Jun 2021)
Tax Bill	$5,876 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`240040001760`

Property Details

APN / Parcel Number

Primary APN	`240040001760`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,932 sqft Living Area
Basement Area	1,932 sqft
Finished Basement	1,932 sqft
Unfinished Basement	1,932 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Attached
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2278 185TH AVE
City	MANCHESTER
State	IA
Zip	52057-8628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 WHITETAIL RIDGE SECOND SUBD
Legal Range	05W
Legal Township	88N
Legal Section	04
Legal Subdivision	WHITETAIL RIDGE SECOND SUBDIVISION
Legal Lot Number	2
Jurisdiction	DELAWARE IA
Township / Civil Division	MILO
Census Block Group	3
Census Block	3018
Census Tract	950400

Owner

2278 185th Ave is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2278 185TH AVE, MANCHESTER, IA 52057-8628
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
Sep 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SAVINGS BANK
Jul 9, 2020	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Prior Sale	Jul 9, 2020 · Amount on File
Deed Document Number	20212364
Deed Book / Page	2021 / 2364
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IA
Property Address	2278 185TH AVE, MANCHESTER, IA 52057-8628
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2612
Date	Sep 1, 2022
Book Page	2022/2612
Instrument	22-2612

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2032

Interest

Rate Type	Fixed Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IA
Recording Date	Jul 9, 2020
Property Address	2278 185TH AVE, MANCHESTER, IA 52057-8628
Document Number	02020/2299
Book / Page	2020 / 2299
Map Reference	BK 2013 PG 3245
Instrument Date	Jul 8, 2020
Instrument	2020 2299
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	$552.80
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	2278 185TH AVE, MANCHESTER, IA 52057-8628

Mortgage

Document Number	02020/2300
Date	Jul 9, 2020
Book Page	2020/2300
Instrument	2020 2300

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2278 185th Ave was $5,876 with a homeowner's exemption, up 3.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Iowa
County	Delaware County
Unified School District	West Delaware County Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$513,500 (-) Land $71,300 Building $442,200	$513,500 (-) Land $71,300 Building $442,200
2025	$5,876.00 (+3.93%) Homeowner's exemption	$513,500 Land $71,300 Building $442,200	$513,500 Land $71,300 Building $442,200
2024	$5,654.00
2023		$461,100 (+26.64%) Land $64,900 Building $396,200	$461,100 Land $64,900 Building $396,200
2022	$5,048.00 Homeowner's exemption	$364,100 Land $48,700 Building $315,400
2021			$364,100 Land $48,700 Building $315,400

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

Flood

FEMA maps place 2278 185th Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective March 7, 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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2016)
Most Recent Claim	Sep 2016 · Severe Storms 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

Wildfire risk around 2278 185th Ave is low, with a 0.02% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Maquoketa Valley Electric Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
GigFire Fixed Wireless	100 / 20

May also be available: Nextlink.

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