309 E 4th St, Sanborn, IA 51248 Property Records

O'Brien County property record for 309 E 4th St, Sanborn, IA 51248

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,554 sqft · built 2000
Lot Size	0.326 acres (14,200 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,504 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0026075000`

Property Details

APN / Parcel Number

Primary APN	`0026075000`
Alternative APN	`0000260750`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,554 sqft Living Area
1st Floor Area	1,554 sqft
Basement Area	1,554 sqft
Finished Basement	1,362 sqft
Unfinished Basement	192 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,200 sqft (0.326 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	1,719 sqft
Porch	Slab
Porch Area	19 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Water Source	Commercial

Location & Zoning

Street Address	309 E 4TH ST
City	SANBORN
State	IA
Zip	51248-7713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN LOTS 7-8 BLK 19
Legal Subdivision	SANBORN
Legal Block	19
Legal Lot Number	7-8
Jurisdiction	O'BRIEN IA
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3019
Census Tract	490200

Owner

Source: O'Brien County records, as of September 1, 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	309 E 4TH ST, SANBORN, IA 51248-7713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE MORTGAGE
Sep 8, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Mar 31, 2020	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jan 26, 2018	Intrafamily Transfer, Transfer · FHA Mortgage FIRST DIRECT LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2018
Deed Sale	Jan 26, 2018
Deed Document Number	2018257
Prior Transfer Date	Jan 13, 2018
Prior Transfer Doc	201800257
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	O'BRIEN IA
Recording Date	Jul 27, 2026
Property Address	309 E 4TH ST, SANBORN, IA 51248-7713
Document Number	0000002101
Instrument Date	Jul 20, 2026
Instrument	20262101
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E 4TH ST, SANBORN, IA 51248-7713

Mortgage

Document Number	0000002101,
Date	Jul 27, 2026
Instrument	20262101

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	O'BRIEN IA
Property Address	309 E 4TH ST, SANBORN, IA 51248-7713
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202102668
Date	Sep 8, 2021
Instrument	2021-02668

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	O'BRIEN IA
Property Address	309 E 4TH ST, SANBORN, IA 51248-7713
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000690
Date	Mar 31, 2020
Instrument	2020-00690

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	O'BRIEN IA
Recording Date	Jan 26, 2018
Property Address	309 E 4TH ST, SANBORN, IA 51248-7713
Document Number	201800257
Instrument Date	Jan 13, 2018
Instrument	2018-00257
Transaction Type	Transfer
Record Updated	Oct 18, 2021
Title Company	UNISOURCE

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	309 E 4TH ST, SANBORN, IA 51248-7713

Mortgage

Document Number	201800258
Date	Jan 26, 2018
Instrument	2018-00258

Lender

Name	FIRST DIRECT LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: O'Brien County assessment roll, as of December 19, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	O'Brien County
Municipality	Sanborn City
Unified School District	Hartley-Melvin-Sanborn Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,504.00 (+13.91%) Homeowner's exemption	$273,220 (+21.1%) Land $15,000 Building $258,220	$273,220 (+21.1%) Land $15,000 Building $258,220
2024	$3,076.00 (+6.07%)
2023		$225,620 (+24.16%) Land $15,000 Building $210,620	$225,620 (+24.16%) Land $15,000 Building $210,620
2022	$2,900.00 Homeowner's exemption	$181,720 Land $10,000 Building $171,720
2021			$181,720 Land $10,000 Building $171,720

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 December 16, 2020

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 98% of the US · lower than 82% 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	SANBORN WATER SUPPLY serves 1,392 people · EPA ID IA7165025
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) 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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Fiber	1,000 / 1,000
The Community Agency Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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