313 Main St, Hudson, IA 50643 Property Records

Black Hawk County property record for 313 Main St, Hudson, IA 50643

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,320 sqft · built 1999
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on File
Last Sale	$193,000 (Nov 2017)
Tax Bill	$4,032 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8814-26-307-003`

Property Details

APN / Parcel Number

Primary APN	`8814-26-307-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Basement Area	1,320 sqft
Finished Basement	475 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces
Deck Area	180 sqft
Patio Area	207 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	313 MAIN ST
City	HUDSON
State	IA
Zip	50643-8007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT HUDSON LOT 8 BLK 8
Legal Range	14W
Legal Township	88N
Legal Section	26
Legal Subdivision	ORIGINAL PLAT HUDSON
Legal Block	8
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	BLACK HAWK
Census Block Group	2
Census Block	2041
Census Tract	3002

Owner

313 Main St is owned and occupied by two individuals who bought it in November 2017.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	313 MAIN ST, HUDSON, IA 50643-8007
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN SAVINGS BANK
Nov 28, 2017	Warranty Deed, Transfer · Conventional Mortgage LINCOLN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2017 · Amount on File
Deed Sale	Nov 28, 2017 · Amount on File
Deed Document Number	20172018-00009242
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	313 MAIN ST, HUDSON, IA 50643-8007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100005603
Date	Sep 15, 2020
Instrument	202100005603

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 28, 2017
Property Address	313 MAIN ST, HUDSON, IA 50643-8007
Document Number	201800009242
Instrument Date	Sep 15, 2017
Instrument	2018-00009242
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 MAIN ST, HUDSON, IA 50643-8007

Mortgage

Document Number	201800009243
Date	Nov 28, 2017
Instrument	2018-00009243

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 313 Main St was $4,032 with a homeowner's exemption, up 8.4% from the year before.

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Hudson City
Unified School District	Hudson Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,032.00 (+8.39%) Homeowner's exemption	$251,260 Land $19,500 Building $231,760	$251,260 Land $19,500 Building $231,760
2024	$3,720.00
2023		$232,760 (+20.11%) Land $19,500 Building $213,260	$232,760 Land $19,500 Building $213,260
2022	$3,630.00	$193,790 Land $19,500 Building $174,290
2021			$193,790 Land $19,500 Building $174,290

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

Flood

FEMA maps place 313 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · 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 Claims	1 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

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 313 Main 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	HUDSON WATER SUPPLY serves 2,546 people · EPA ID IA0737062
Water Source	Purchased groundwater from WATERLOO WATER WORKS
Last State Inspection	Jun 2024
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
STS Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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