305 Grace Ave, Urbana, IA 52345 Property Records

Benton County property record for 305 Grace Ave, Urbana, IA 52345

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,438 sqft · built 2004
Lot Size	0.256 acres (11,160 sqft)
Owner	2 Individual Names on File
Last Sale	$176,500 (May 2013)
Tax Bill	$5,186 (2026)
Deeds & Mortgages	Feb 2023 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20003340`

Property Details

APN / Parcel Number

Primary APN	`20003340`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,438 sqft Living Area
Basement Area	1,438 sqft
Finished Basement	725 sqft
Unfinished Basement	713 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,160 sqft (0.256 acres)
Lot Dimensions	120 ft deep x 93 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	126 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	305 GRACE AVE
City	URBANA
State	IA
Zip	52345-9123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICH'S 8TH ADD LOT #13
Legal Range	09W
Legal Township	86N
Legal Section	34
Legal Subdivision	RICHS 8TH
Legal Lot Number	13
Jurisdiction	BENTON IA
Township / Civil Division	POLK
Census Block Group	1
Census Block	1064
Census Tract	960100

Owner

305 Grace Ave is owned and occupied by two individuals who bought it in May 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	305 GRACE AVE, URBANA, IA 52345-9123
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
Feb 24, 2023	Deed of Trust, Mortgage · USDA Mortgage USDA
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2013 · Amount on File
Deed Sale	May 9, 2013 · Amount on File
Prior Sale	May 24, 2007 · Amount on File
Deed Book / Page	13 / 553
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IA
Property Address	305 GRACE AVE, URBANA, IA 52345-9123
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000230573
Date	Feb 24, 2023
Instrument	23-0573

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IA
Property Address	305 GRACE AVE, URBANA, IA 52345-9123
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000213162
Date	Jun 23, 2021
Instrument	21-3162

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 305 Grace Ave was $5,186 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Iowa
County	Benton County
Municipality	Urbana City
Unified School District	Center Point-Urbana Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,186.00	$297,500 (-) Land $40,100 Building $257,400	$297,500 (-) Land $40,100 Building $257,400
2025		$297,500 Land $40,100 Building $257,400	$297,500 Land $40,100 Building $257,400
2024	$4,972.00
2023		$267,300 (+22.22%) Land $39,500 Building $227,800	$267,300 Land $39,500 Building $227,800
2022	$4,636.00 Homeowner's exemption	$218,700 Land $31,600 Building $187,100
2021			$218,700 Land $31,600 Building $187,100

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

Flood

FEMA maps place 305 Grace Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 22, 2023

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 305 Grace Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 76% 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	URBANA WATER SUPPLY serves 1,562 people · EPA ID IA0680041
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
USA Communications Fiber	1,000 / 1,000

May also be available: GigFire.

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