308 E Ramsey St, Bancroft, IA 50517 Property Records

Kossuth County property record for 308 E Ramsey St, Bancroft, IA 50517

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,740 sqft · built 1900
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$102,500 (Mar 2026)
Tax Bill	$490 (2025)
Deeds & Mortgages	Jun 2006 Mortgage Jan 2007 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-24-257-003`

Property Details

APN / Parcel Number

Primary APN	`10-24-257-003`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,740 sqft Living Area
Basement Area	435 sqft
Unfinished Basement	435 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Other
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Porch	Porch
Porch Area	362 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant

Location & Zoning

Street Address	308 E RAMSEY ST
City	BANCROFT
State	IA
Zip	50517-5008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 3 & 4 BLK 13 DAVIS SUBDIV OF N1/2
Legal Subdivision	DAVIS SUB
Legal Lot Number	3 4
Jurisdiction	KOSSUTH IA
Township / Civil Division	GREENWOOD
Census Block Group	2
Census Block	2028
Census Tract	950300

Owner

Source: Kossuth County records, as of October 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	308 E RAMSEY ST, BANCROFT, IA 50517-5008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2006	Deed of Trust, Mortgage · Conventional Mortgage CHASE BANK USA NA
Jan 12, 2007	Deed of Trust, Mortgage · ARM NEW CENTURY MORTGAGE CORP
Mar 31, 2026	Special Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Prior Sale	Aug 8, 2024 · Amount on Record
Deed Document Number	2026748
Deed Book / Page	2026 / 748
Prior Transfer Date	Aug 29, 2024
Prior Transfer Doc	0000002029
Record Updated	Oct 29, 2026

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	308 E RAMSEY ST, BANCROFT, IA 50517-5008
Transaction Type	Mortgage
Record Updated	Apr 15, 2026
Title Company	ALL AMERICAN ESCROW AND TITLE, ALL AMERICAN ESCROW & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02006/1876
Date	Jun 1, 2006
Book Page	2006/1876
Instrument	2006 1876

Lender

Name	CHASE BANK USA NA
Type	Bank
Address	NEWARK, DE 19711

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2036

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	308 E RAMSEY ST, BANCROFT, IA 50517-5008
Transaction Type	Mortgage
Record Updated	Apr 15, 2026
Title Company	ALL AMERICAN ESCROW AND TITLE, ALL AMERICAN ESCROW & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02007/0179
Date	Jan 12, 2007
Book Page	2007/0179
Instrument	2007 0179

Lender

Name	NEW CENTURY MORTGAGE CORP
Type	Subprime Lender
Address	IRVINE, CA 92612

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	8.8%
Type Change Date	Jan 1, 2009
Change Frequency	6 Months
Min Rate At Change	8.8%
Max Rate At Change	10.8%
Index	6-Month LIBOR
Max Rate	15.8%

March 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Mar 31, 2026
Property Address	308 E RAMSEY ST, BANCROFT, IA 50517-5008
Document Number	002026/748
Book / Page	2026 / 748
Instrument Date	Jan 6, 2026
Instrument	2026 0748
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	PRIORITY TITLE/FL LLC, PRIORITY T&E LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	308 E RAMSEY ST, BANCROFT, IA 50517-5008

Mortgage

Document Number	0020260750
Date	Mar 31, 2026
Instrument	2026 0750

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

Source: Kossuth County assessment roll, as of October 9, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Bancroft City
County	Kossuth County
Unified School District	North Kossuth Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$490.00 (-85.81%)	$32,448 (-3%) Land $13,000 Building $19,448
2024	$3,454.00 (+664.16%)
2023		$33,453 Land $13,000 Building $20,453	$33,453 (+3.1%) Land $13,000 Building $20,453
2021	$452.00		$32,448 Land $13,000 Building $19,448

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 19, 2018

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 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	BANCROFT WATER SUPPLY serves 711 people · EPA ID IA5507085
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Winnebago Cooperative Telecom Association Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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