239 Emerald Meadows Dr, Arnolds Park, IA 51331 Property Records

Dickinson County property record for 239 Emerald Meadows Dr, Arnolds Park, IA 51331

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,071 sqft · built 2017
Lot Size	0.216 acres (9,409 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,704 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0730476007`

Property Details

APN / Parcel Number

Primary APN	`0730476007`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,071 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,409 sqft (0.216 acres)
Garage Type	Attached
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	68 sqft
Deck Area	403 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	239 EMERALD MEADOWS DR
City	ARNOLDS PARK
State	IA
Zip	51331-7567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARNOLDS PARK EMERALD PINES SUBDIVLOT 16
Legal Subdivision	EMERALD PINES SUB
Legal Lot Number	16
Jurisdiction	DICKINSON IA
Township / Civil Division	CENTER GROVE
Census Block Group	4
Census Block	4006
Census Tract	451100

Owner

239 Emerald Meadows Dr, a single family home, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 408, SPIRIT LAKE, IA 51360-0408
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
Jul 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION
Nov 22, 2017	Deed of Trust, Mortgage · ARM NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DICKINSON IA
Recording Date	Jul 24, 2026
Property Address	239 EMERALD MEADOWS DR, ARNOLDS PARK, IA 51331-7567
Document Number	0000003493
Instrument Date	Jul 20, 2026
Instrument	20263493
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	SETTLEMENT SERVICES, SUMMIT SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 EMERALD MEADOWS DR, ARNOLDS PARK, IA 51331-7567

Mortgage

Document Number	0000003493,
Date	Jul 24, 2026
Instrument	20263493

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DICKINSON IA
Property Address	239 EMERALD MEADOWS DR, ARNOLDS PARK, IA 51331-7567
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1706414
Date	Nov 22, 2017
Instrument	17-06414

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

The 2026 property tax bill for 239 Emerald Meadows Dr was $5,704.

Source: Dickinson County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Arnolds Park City
County	Dickinson County
Unified School District	Okoboji Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,704.00	$621,100 (-) Land $108,100 Building $513,000	$621,100 (-) Land $108,100 Building $513,000
2025	$5,704.00 (+7.18%)	$621,100 Land $108,100 Building $513,000	$621,100 Land $108,100 Building $513,000
2024	$5,322.00
2023		$531,700 Land $92,600 Building $439,100	$531,700 Land $92,600 Building $439,100
2022	$4,916.00

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

Flood

FEMA maps place 239 Emerald Meadows Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 28, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 239 Emerald Meadows Dr is low, with a 0.04% 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	0.04% annual chance
Exposure	None beyond 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	WEST OKOBOJI serves 308 people · EPA ID IA3090081
Water Source	Purchased surface water from MILFORD MUNICIPAL UTILITIES
Last State Inspection	Oct 2023
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 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	2,000 / 1,000
Premier Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink, Verizon.

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