Palo Alto County property record for 2986 River Rd, Graettinger, IA 51342
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 864 sqft · built 1978 |
| Lot Size | 4.05 acres (176,418 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $107,000 (Dec 2008) |
| Tax Bill | $2,792 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 490016004031 |
| Primary APN | 490016004031 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| Basement Area | 864 sqft |
| Finished Basement | 432 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 176,418 sqft (4.05 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 2986 RIVER RD |
|---|---|
| City | GRAETTINGER |
| State | IA |
| Zip | 51342-8556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SW SE |
| Legal Range | 33W |
| Legal Township | 97N |
| Legal Section | 16 |
| Jurisdiction | PALO ALTO IA |
| Township / Civil Division | WALNUT |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 960200 |
2986 River Rd is owned and occupied by two individuals who bought it in December 2008.
Source: Palo Alto County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2986 RIVER RD, GRAETTINGER, IA 51342-8556 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2008 · Amount on File |
| Deed Sale | Dec 8, 2008 · Amount on File |
| Deed Document Number | 20082426 |
| Deed Book / Page | 2008 / 2426 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALO ALTO IA |
| Property Address | 2986 RIVER RD, GRAETTINGER, IA 51342-8556 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02020/1386 |
|---|---|
| Date | Jul 15, 2020 |
| Book Page | 2020/1386 |
| Instrument | 2020 1386 |
| Name | IOWA TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2035 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 2986 River Rd was $2,792 with exemptions applied.
Source: Palo Alto County assessment roll, as of October 16, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Palo Alto County |
| Unified School District | Graettinger-Terril Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,792.00 | $247,250 (-) Land $60,250 Building $187,000 | $247,250 (-) Land $60,250 Building $187,000 |
| 2025 | $2,792.00 (+2.2%) Homeowner's exemption Senior Citizen's exemption | $247,250 Land $60,250 Building $187,000 | $247,250 Land $60,250 Building $187,000 |
| 2024 | $2,732.00 | ||
| 2023 | $224,410 (+65.29%) Land $60,250 Building $164,160 | $224,410 Land $60,250 Building $164,160 | |
| 2022 | $1,906.00 Homeowner's exemption | $135,770 Land $29,100 Building $106,670 | |
| 2021 | $135,770 Land $29,100 Building $106,670 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2986 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective December 15, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 2986 River Rd 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 64% of the US · above 64% of Iowa |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| River Valley Telecommunications Cooperative Fiber | 500 / 500 |
| Northwest Communications Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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