301 N Spruce St, Creston, IA 50801 Property Records

Union County property record for 301 N Spruce St, Creston, IA 50801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1950
Lot Size	0.191 acres (8,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$79,000 (Nov 2024)
Tax Bill	$1,146 (2025)
Deeds & Mortgages	Nov 2007 Mortgage Mar 2008 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0501377007`

Property Details

APN / Parcel Number

Primary APN	`0501377007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Basement Area	768 sqft
Finished Basement	768 sqft
Unfinished Basement	768 sqft
Game Room	Game Room
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,300 sqft (0.191 acres)
Lot Dimensions	166 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	84 sqft
Deck Area	170 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	301 N SPRUCE ST
City	CRESTON
State	IA
Zip	50801-2138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W C SEC A LOT 44
Legal Subdivision	WEST CRESTON
Legal Lot Number	44
Jurisdiction	UNION IA
Township / Civil Division	CRESTON
Census Block Group	1
Census Block	1021
Census Tract	190200

Owner

Source: Union County records, as of October 20, 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	301 N SPRUCE ST, CRESTON, IA 50801-2138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2007	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SVGS BANK OF CRESTON FSB
Mar 17, 2008	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SVGS BANK OF CRESTON FSB
Jun 19, 2014	Deed of Trust, Mortgage · Commercial Mortgage IOWA STATE SAVINGS BANK
Jun 9, 2023	Warranty Deed, Transfer · Commercial Mortgage VELOCITY COMMERCIAL CAPITAL
May 16, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2024 · Amount on Record
Deed Sale	Nov 12, 2024 · Amount on Record
Prior Sale	Apr 30, 2015 · Amount on Record
Deed Document Number	20241795
Deed Book / Page	1342 / 101
Prior Transfer Date	May 2, 2018
Prior Transfer Doc	0001172/60
Record Updated	Oct 29, 2026

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	301 N SPRUCE ST, CRESTON, IA 50801-2138
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000906/046
Date	Nov 26, 2007
Book Page	0906/046
Instrument	00002619

Lender

Name	FIRST FEDERAL SVGS BANK OF CRESTON FSB
Type	Bank
Address	CRESTON, IA 50801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 25, 2022

March 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	301 N SPRUCE ST, CRESTON, IA 50801-2138
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000920/289
Date	Mar 17, 2008
Book Page	0920/289
Instrument	00000551

Lender

Name	FIRST FEDERAL SVGS BANK OF CRESTON FSB
Address	CRESTON, IA 50801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	301 N SPRUCE ST, CRESTON, IA 50801-2138
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001080/192
Date	Jun 19, 2014
Book Page	1080/192
Instrument	2014-00001167

Lender

Name	IOWA STATE SAVINGS BANK
Address	CRESTON, IA 50801

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Jul 17, 2019

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION IA
Recording Date	Jun 9, 2023
Property Address	301 N SPRUCE ST, CRESTON, IA 50801-2138
Document Number	001307/214
Book / Page	1307 / 214
Instrument Date	May 19, 2023
Instrument	2023-00000850
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Tax	$80.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8072 690TH ST, RIVER FALLS, WI 54022
Investor	Possibly a Property Investor

Mortgage

Document Number	202300000856
Date	Jun 9, 2023
Instrument	2023-00000856

Lender

Name	VELOCITY COMMERCIAL CAPITAL
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION IA
Recording Date	May 16, 2018
Property Address	301 N SPRUCE ST, CRESTON, IA 50801-2138
Document Number	0001172/60
Book / Page	1172 / 60
Instrument Date	May 2, 2018
Instrument	000000000804
Transaction Type	Transfer
Record Updated	Oct 6, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8072 690TH ST, RIVER FALLS, WI 54022

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Creston City
County	Union County
Unified School District	Creston Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$79,600 (-) Land $8,180 Building $71,420	$79,600 (-) Land $8,180 Building $71,420
2025	$1,146.00 (+0.35%)	$79,600 (+52.26%) Land $8,180 Building $71,420	$79,600 (+52.26%) Land $8,180 Building $71,420
2024	$1,142.00 (-10.08%)
2023		$52,280 Land $8,750 Building $43,530	$52,280 Land $8,750 Building $43,530
2022	$1,270.00

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 May 31, 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 0.01% 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	CRESTON WATER SUPPLY serves 7,536 people · EPA ID IA8816089
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	7 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Treatment Techniques Jun 2018
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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	200 / 20
Lockridge Networks Fixed Wireless	100 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: OmniTel-Interstate Cablevision.

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