309 Locust St, Archer, IA 51231 Property Records

O'Brien County property record for 309 Locust St, Archer, IA 51231

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,800 sqft · built 1990
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Jan 2014)
Tax Bill	$1,822 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jan 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`0000000150`

Property Details

APN / Parcel Number

Primary APN	`0000000150`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft
Basement Area	1,800 sqft
Unfinished Basement	1,800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	681 sqft

Exterior Amenities

Porch	Slab
Porch Area	136 sqft
Deck Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	309 LOCUST ST
City	ARCHER
State	IA
Zip	51231-7710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN S 70 OF LOTS 1-2-3 BLK 1
Legal Subdivision	ORIGINIAL TOWN OF ARCHER
Legal Block	1
Legal Lot Number	1-3
Jurisdiction	O'BRIEN IA
Township / Civil Division	CARROLL
Census Block Group	1
Census Block	1048
Census Tract	490200

Owner

309 Locust St is owned and occupied by an individual who acquired it in December 2021.

Source: O'Brien County records, as of September 1, 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	Individual Name on File
Mailing Address	309 LOCUST ST, ARCHER, IA 51231-7710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jan 12, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2014 · Amount on File
Deed Sale	Jan 2, 2014 · Amount on File
Deed Document Number	201413
Last Transfer Date	Dec 22, 2021
Transfer Doc	0202200110
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	O'BRIEN IA
Property Address	309 LOCUST ST, ARCHER, IA 51231-7710
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202200513
Date	Mar 10, 2022
Instrument	2022-00513

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	O'BRIEN IA
Recording Date	Jan 12, 2022
Property Address	309 LOCUST ST, ARCHER, IA 51231-7710
Document Number	0202200110
Instrument Date	Dec 22, 2021
Instrument	2022-00110
Transaction Type	Transfer
Record Updated	Mar 3, 2023

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
Address	309 LOCUST ST, ARCHER, IA 51231-7710

Tax Assessment & Valuation

The 2025 property tax bill for 309 Locust St was $1,822, down 11.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Archer City
County	O'Brien County
Unified School District	Sheldon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,822.00 (-11.38%)	$147,320 Land $2,860 Building $144,460	$147,320 Land $2,860 Building $144,460
2024	$2,056.00
2023		$154,150 (+34.51%) Land $2,860 Building $151,290	$154,150 Land $2,860 Building $151,290
2022	$1,586.00	$114,600 Land $2,860 Building $111,740
2021			$114,600 Land $2,860 Building $111,740

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

Flood

FEMA maps place 309 Locust St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 309 Locust St 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 96% of the US · lower than 71% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C-M-L Telephone Cooperative Association Fiber	1,000 / 500

Cell Coverage

5G (outdoors only) and 4G LTE

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