314 Main St, Sioux Rapids, IA 50585 Property Records

Buena Vista County property record for 314 Main St, Sioux Rapids, IA 50585

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,234 sqft · built 1890
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$141,000 (Apr 2025)
Tax Bill	$2,194 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-07-103-008`

Property Details

APN / Parcel Number

Primary APN	`03-07-103-008`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,234 sqft Living Area
1st Floor Area	1,088 sqft
Basement Area	1,088 sqft
Unfinished Basement	1,088 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	132 ft deep x 132 ft wide
Garage Type	Mixed
Garage Area	360 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	339 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	314 MAIN ST
City	SIOUX RAPIDS
State	IA
Zip	50585-7734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	03-03 SIOUX RAPIDS CORP. & LOTS 4,5 & 6
Legal Subdivision	SIOUX RAPIDS
Legal Lot Number	4-6
Jurisdiction	BUENA VISTA IA
Township / Civil Division	SIOUX RAPIDS
Census Block Group	2
Census Block	2026
Census Tract	960200

Owner

314 Main St is owned and occupied by two individuals who bought it in April 2025.

Source: Buena Vista County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	314 MAIN ST, SIOUX RAPIDS, IA 50585-7734
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 25, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Aug 25, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Jul 27, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Nov 21, 2019	Warranty Deed, Transfer · FHA Mortgage FLANAGAN STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2025 · Amount on File
Deed Sale	Apr 16, 2025 · Amount on File
Prior Sale	Nov 21, 2019 · Amount on File
Deed Document Number	2025741
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	314 MAIN ST, SIOUX RAPIDS, IA 50585-7734
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232385
Date	Oct 25, 2023
Instrument	232385

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	314 MAIN ST, SIOUX RAPIDS, IA 50585-7734
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000231891
Date	Aug 25, 2023
Instrument	231891

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	314 MAIN ST, SIOUX RAPIDS, IA 50585-7734
Transaction Type	Mortgage
Record Updated	Sep 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000222086
Date	Jul 27, 2022
Instrument	222086

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	324 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUENA VISTA IA
Recording Date	Nov 21, 2019
Property Address	314 MAIN ST, SIOUX RAPIDS, IA 50585-7734
Document Number	192992
Instrument Date	Nov 19, 2019
Instrument	192992
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MAIN ST, SIOUX RAPIDS, IA 50585-7734

Mortgage

Document Number	0000192993
Date	Nov 21, 2019
Instrument	192993

Lender

Name	FLANAGAN STATE BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 314 Main St was $2,194 with a homeowner's exemption, down 18.1% from the year before.

Source: Buena Vista County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Buena Vista County
Municipality	Sioux Rapids City
Unified School District	Sioux Central Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$158,000 (+6%) Land $21,100 Building $136,900	$158,000 (+6%) Land $21,100 Building $136,900
2025	$2,194.00 (-18.07%) Homeowner's exemption	$149,060 Land $13,200 Building $135,860	$149,060 Land $13,200 Building $135,860
2024	$2,678.00
2023		$159,510 (+26.65%) Land $13,200 Building $146,310	$159,510 Land $13,200 Building $146,310
2022	$2,520.00	$125,950 Land $13,200 Building $112,750
2021			$125,950 Land $13,200 Building $112,750

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

Flood

FEMA maps place 314 Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 13, 2022 · 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 Policies	1 in force

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

Wildfire risk around 314 Main St is low, with 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 80% of the US · above 49% of Iowa
Wildfire Likelihood	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	SIOUX RAPIDS WATER DEPARTMENT serves 932 people · EPA ID IA1175056
Water Source	Groundwater
Last State Inspection	May 2025
Lead	7 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Evertek Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
Northwest Communications Fixed Wireless	100 / 20

May also be available: Nextlink.

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