3120 Big Bend Rd, Ellston, IA 50074 Property Records

Ringgold County property record for 3120 Big Bend Rd, Ellston, IA 50074

Property Summary

Property Type	Single Family Home
Lot Size	0.4 acres (17,301 sqft)
Owner	2 Trust Names on File
Tax Bill	$10,682 (2025)
Deeds & Mortgages	May 2021 Construction Loan Jan 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`SS0647107`

Property Details

APN / Parcel Number

Primary APN	`SS0647107`

Exterior

Lot Area	17,301 sqft (0.4 acres)
Lot Dimensions	237 ft deep x 73 ft wide

Location & Zoning

Street Address	3120 BIG BEND RD
City	ELLSTON
State	IA
Zip	50074
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1976 SOUTHSHORE WOODLAND SUBDIVISION
Legal Subdivision	SOUTHSHORE WOODLAND SUB
Legal Lot Number	1976
Jurisdiction	RINGGOLD IA
Township / Civil Division	UNION
Census Block Group	1
Census Block	1058
Census Tract	950100

Owner

3120 Big Bend Rd is held in a trust since January 2022.

Source: Ringgold 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	2 Trust Names on File
Mailing Address	6620 PECKHAM ST, JOHNSTON, IA 50131-2856
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK
Jan 6, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 4, 2022
Transfer Doc	000537/298
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RINGGOLD IA
Property Address	3120 BIG BEND RD, ELLSTON, IA 50074-4445
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000524/1
Date	May 20, 2021
Book Page	524/1
Instrument	2021-00000785

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	384 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2023
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	5.99%
Index	1-Year CMT

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RINGGOLD IA
Recording Date	Jan 6, 2022
Property Address	3120 BIG BEND RD, ELLSTON, IA 50074-4445
Document Number	000537/298
Book / Page	537 / 298
Map Reference	MB 5 PG 4
Instrument Date	Jan 4, 2022
Instrument	2022-00000027
Transaction Type	Transfer
Record Updated	Jun 7, 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
Relationship	Family Revocable Trust
Address	6620 PECKHAM ST, JOHNSTON, IA 50131-2856

Tax Assessment & Valuation

The 2025 property tax bill for 3120 Big Bend Rd was $10,682, up 23% from the year before.

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

Property Jurisdictions

Type	Name
State	Iowa
County	Ringgold County
Unified School District	Mount Ayr Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,682.00 (+22.98%)	$843,191 Land $311,598 Building $531,593	$843,191 Land $311,598 Building $531,593
2024	$8,686.00
2023		$608,690 (+14.42%) Land $219,952 Building $388,738	$608,690 Land $219,952 Building $388,738
2022	$8,900.00	$531,996 Land $219,952 Building $312,044
2021			$531,996 Land $219,952 Building $312,044

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

Flood

FEMA maps place 3120 Big Bend Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 17, 2017

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 3120 Big Bend Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 60% of Iowa
Wildfire Likelihood	0.04% 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 500
Verizon Fixed Wireless	300 / 20
Lockridge Networks Fixed Wireless	100 / 20
Windstream DSL · Fixed Wireless in parts of the area	100 / 3

May also be available: T-Mobile.

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