28781 State St, Eldorado (West Union), IA 52175 Property Records

Fayette County property record for 28781 State St, Eldorado, IA 52175

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,866 sqft · built 1924
Lot Size	0.463 acres (20,150 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Jun 2018)
Tax Bill	$1,774 (2025)
Deeds & Mortgages	Jun 2023 Sale & Line of Credit Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0318128002`

Property Details

APN / Parcel Number

Primary APN	`0318128002`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,866 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Game Room	Game Room
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,150 sqft (0.463 acres)
Lot Dimensions	155 ft deep x 130 ft wide
Garage Type	Mixed
Garage Area	1,632 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	280 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	28781 STATE ST
City	WEST UNION
State	IA
Zip	52175-9711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE N 82.5' OF: COM IN CTR OF ROAD 48RDS 9" E & 17 RODS N OF SW COR NE NW TH W 11 RDS 12 1/2' TH S 17 RODS TH E 11 RODS 12
Jurisdiction	FAYETTE IA
Township / Civil Division	DOVER
Census Block Group	1
Census Block	1042
Census Tract	80600

Owner

Source: Fayette County assessment roll, as of October 6, 2025

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 File
Mailing Address	28781 STATE ST, WEST UNION, IA 52175-9711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Warranty Deed, Transfer · Line of Credit BANK FIRST NATIONAL
Jun 21, 2018	Warranty Deed, Transfer BANK 1ST
Jun 21, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 21, 2018 · Amount on Record
Deed Sale	Jun 21, 2018 · Amount on Record
Deed Document Number	20181733
Deed Book / Page	2018 / 1733
Last Transfer Date	May 30, 2023
Transfer Doc	0000001332
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Jun 9, 2023
Property Address	28781 STATE ST, ELDORADO, IA 52175-9711
Document Number	02023/1496
Book / Page	2023 / 1496
Instrument Date	Jun 9, 2023
Instrument	2023-1496
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$287.20
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	28781 STATE ST, WEST UNION, IA 52175-9711

Mortgage

Document Number	0020231497
Date	Jun 9, 2023
Instrument	2023-1497

Lender

Name	BANK FIRST NATIONAL
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Jun 21, 2018
Property Address	28781 STATE ST, ELDORADO, IA 52175-9711
Document Number	02018/1733
Book / Page	2018 / 1733
Instrument Date	Jun 20, 2018
Instrument	000000001733
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28781 STATE ST, ELDORADO, IA 52175-9711

Mortgage

Document Number	0000002018/0000001735
Date	Jun 21, 2018
Book Page	0000002018/0000001735
Instrument	000000001735

Lender

Name	BANK 1ST
Type	Bank

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FAYETTE IA
Recording Date	Jun 21, 2018
Property Address	28781 STATE ST, ELDORADO, IA 52175-9711
Document Number	02018/1734
Book / Page	2018 / 1734
Instrument Date	Jun 20, 2018
Instrument	000000001734
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28781 STATE ST, ELDORADO, IA 52175-9711

Tax Assessment & Valuation

Source: Fayette County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Fayette County
Unified School District	North Fayette Valley Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,774.00	$180,120 (+14%) Land $11,790 Building $168,330	$180,120 (+14%) Land $11,790 Building $168,330
2024	$1,774.00 (+17.8%)
2023		$158,000 (+25.1%) Land $11,790 Building $146,210	$158,000 (+25.1%) Land $11,790 Building $146,210
2022	$1,506.00 Homeowner's exemption	$126,300 Land $9,830 Building $116,470
2021			$126,300 Land $9,830 Building $116,470

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 March 13, 2024 · 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 Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2016 · Severe Storms, Straight-line Winds, 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	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ace Telephone Association Fiber	1,000 / 1,000
LTD Broadband Fixed Wireless	150 / 130

May also be available: Hawkeye Telephone Company.

Cell Coverage

No cell data coverage reported

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