308 Oak St, Atlantic, IA 50022 Property Records

Cass County property record for 308 Oak St, Atlantic, IA 50022

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 911 sqft · built 1945
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$86,000 (Aug 2022)
Tax Bill	$1,472 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`303005178001000`

Property Details

APN / Parcel Number

Primary APN	`303005178001000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	911 sqft Living Area
1st Floor Area	911 sqft
Basement Area	911 sqft
Unfinished Basement	911 sqft
Game Room	Game Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Deck Area	62 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	308 OAK ST
City	ATLANTIC
State	IA
Zip	50022-1133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK 19
Legal Subdivision	ORIGINAL TOWN - ATLANTIC
Legal Block	19
Legal Lot Number	8
Jurisdiction	CASS IA
Township / Civil Division	GROVE
Census Block Group	2
Census Block	2099
Census Tract	190500

Owner

308 Oak St is owned and occupied by two individuals who acquired it in October 2022.

Source: Cass County records, as of October 20, 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 File
Mailing Address	308 OAK ST, ATLANTIC, IA 50022-1133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage RAPID HOME LENDING INC
Aug 3, 2022	Deed of Trust, Mortgage · FHA Mortgage CMG MORTGAGE INC
Nov 18, 2022	Intrafamily Transfer, Transfer
Nov 25, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2022 · Amount on File
Deed Sale	Aug 3, 2022 · Amount on File
Prior Sale	Nov 25, 2019 · Amount on File
Deed Book / Page	2022 / 1252
Last Transfer Date	Oct 24, 2022
Transfer Doc	02022/1911
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	308 OAK ST, ATLANTIC, IA 50022-1133
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 OAK ST, ATLANTIC, IA 50022-1133

Mortgage

Document Number	002026/108
Date	Jan 20, 2026
Book Page	2026/108

Lender

Name	RAPID HOME LENDING INC
Type	Mortgage Company
Address	FRANKLIN, MI 48025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	308 OAK ST, ATLANTIC, IA 50022-1133
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1253
Date	Aug 3, 2022
Book Page	2022/1253
Instrument	2022-1253

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CASS IA
Recording Date	Nov 18, 2022
Property Address	308 OAK ST, ATLANTIC, IA 50022-1133
Document Number	02022/1911
Book / Page	2022 / 1911
Instrument Date	Nov 18, 2022
Instrument	2022-1911
Transaction Type	Transfer
Record Updated	Dec 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	308 OAK ST, ATLANTIC, IA 50022-1133

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS IA
Recording Date	Nov 25, 2019
Property Address	308 OAK ST, ATLANTIC, IA 50022-1133
Document Number	02019/1970
Book / Page	2019 / 1970
Instrument Date	Nov 21, 2019
Transaction Type	Transfer
Record Updated	Dec 28, 2022

Transaction

Amount	Amount 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	308 OAK ST, ATLANTIC, IA 50022-1133

Tax Assessment & Valuation

The 2026 property tax bill for 308 Oak St was $1,472 with a homeowner's exemption.

Source: Cass County assessment roll, as of February 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,472.00 Homeowner's exemption	$96,560 (-) Land $5,350 Building $91,210	$96,560 (-) Land $5,350 Building $91,210
2025	$1,472.00 (+21.65%) Homeowner's exemption	$96,560 Land $5,350 Building $91,210	$96,560 Land $5,350 Building $91,210
2024	$1,210.00
2023		$77,500 Land $5,350 Building $72,150	$77,500 Land $5,350 Building $72,150
2022	$1,454.00

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

Flood

FEMA maps place 308 Oak St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective May 16, 2017 · 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 Policies	5 in force
Nearby Flood Claims	6 (1993–2015)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jun 2015 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes And Flooding, Jun 1998 · 4 claims

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

The area around 308 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	ATLANTIC MUNICIPAL UTILITIES serves 7,252 people · EPA ID IA1509074
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) 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 505 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

May also be available: Verizon, Western Iowa Wireless.

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