3095 185th St, Thayer, IA 50254 Property Records

Union County property record for 3095 185th St, Thayer, IA 50254

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,074 sqft · built 2008
Lot Size	3.87 acres (168,577 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Dec 2006)
Tax Bill	$4,440 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0816200006`

Property Details

APN / Parcel Number

Primary APN	`0816200006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,074 sqft Living Area
1st Floor Area	1,624 sqft
Basement Area	1,624 sqft
Unfinished Basement	1,624 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	168,577 sqft (3.87 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	316 sqft
Lean-To	Lean-To

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Geothermal

Location & Zoning

Street Address	3095 185TH ST
City	THAYER
State	IA
Zip	50254-8354
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	16-72-28 PCL A IN THE SE-4 NE-4 - SURVEY BK 4 PG 150
Legal Range	28W
Legal Township	72N
Legal Section	16
Jurisdiction	UNION IA
Township / Civil Division	JONES
Census Block Group	1
Census Block	1087
Census Tract	190100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3095 185TH ST, THAYER, IA 50254-8354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed of Trust, Mortgage · Line of Credit IOWA STATE SAVINGS BANK
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage IOWA STATE SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2006 · Amount on Record
Deed Sale	Dec 5, 2006 · Amount on Record
Deed Document Number	20063151
Deed Book / Page	875 / 91
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Recording Date	Sep 4, 2026
Property Address	3095 185TH ST, THAYER, IA 50254-8354
Document Number	0000001455
Book / Page	1389 / 116
Instrument Date	Aug 31, 2026
Instrument	20261455
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 185TH ST, THAYER, IA 50254-8354

Mortgage

Document Number	0000001455,
Date	Sep 4, 2026
Book Page	1389/116
Instrument	20261455

Lender

Name	IOWA STATE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2041

Interest

Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	3095 185TH ST, THAYER, IA 50254-8354
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001271/42
Date	Jan 3, 2022
Book Page	1271/42
Instrument	2022-00000021

Lender

Name	IOWA STATE SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 3, 2037

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Union County
Unified School District	East Union Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$325,080 (-) Land $3,280 Building $321,800	$325,080 (-) Land $3,280 Building $321,800
2025	$4,440.00 (-7.5%) Homeowner's exemption	$325,080 (+9.59%) Land $3,280 Building $321,800	$325,080 (+9.59%) Land $3,280 Building $321,800
2024	$4,800.00 (+4.58%)
2023		$296,640 Land $1,950 Building $294,690	$296,640 Land $1,950 Building $294,690
2022	$4,590.00

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 May 31, 2022

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	Moderate above 44% of the US · above 75% of Iowa
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Grand River Mutual Telephone Fiber	1,000 / 1,000

May also be available: Windstream.

Cell Coverage

4G LTE only, no 5G reported

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