316 1st Ave E, Rock Rapids, IA 51246 Property Records

Lyon County property record for 316 1st Ave E, Rock Rapids, IA 51246

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,340 sqft · built 1920
Lot Size	0.279 acres (12,150 sqft)
Owner	Individual Name on Record
Tax Bill	$622 (2025)
Deeds & Mortgages	Jan 2024 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`350000112900000`

Property Details

APN / Parcel Number

Primary APN	`350000112900000`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,340 sqft Living Area
1st Floor Area	1,072 sqft
Attic	Attic
Attic Area	268 sqft
Basement Area	268 sqft
Unfinished Basement	268 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Foundation Type	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,150 sqft (0.279 acres)
Lot Dimensions	135 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	12 sqft
Deck Area	60 sqft
Patio Area	100 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	316 1ST AVE E
City	ROCK RAPIDS
State	IA
Zip	51246-1703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	EAST ROCK RAPIDS W 1/2 OF LOT 2 & ALL OF LOT 3 S OF HIWAY BLK 4
Legal Subdivision	EAST ROCK RAPIDS
Legal Block	4
Legal Lot Number	2,3
Jurisdiction	LYON IA
Township / Civil Division	ROCK
Census Block Group	1
Census Block	1020
Census Tract	950200

Owner

Source: Lyon County records, as of October 9, 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 Record
Mailing Address	160 160TH AVE, ELLSWORTH, MN 56129-4061
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2024	Deed of Trust, Mortgage FIRST PREMIER BANK
May 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BANK
May 4, 2022	Warranty Deed, Transfer
Apr 17, 2017	Warranty Deed, Transfer · Conventional Mortgage PREMIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	316 1ST AVE E, ROCK RAPIDS, IA 51246-1703
Transaction Type	Mortgage
Record Updated	Mar 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 160TH AVE, ELLSWORTH, MN 56129-4061
Investor	Possibly a Property Investor

Mortgage

Document Number	002024/108
Date	Jan 19, 2024
Book Page	2024/108
Instrument	2024 108

Lender

Name	FIRST PREMIER BANK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount Recorded

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	316 1ST AVE E, ROCK RAPIDS, IA 51246-1703
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02022/1395
Date	May 31, 2022
Book Page	2022/1395
Instrument	2022 1395

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	May 4, 2022
Property Address	316 1ST AVE E, ROCK RAPIDS, IA 51246-1703
Document Number	02022/1186
Book / Page	2022 / 1186
Instrument Date	May 4, 2022
Instrument	2022 1186
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Tax	$63.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 160TH AVE, ELLSWORTH, MN 56129-4061
Investor	Possibly a Property Investor

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Apr 17, 2017
Property Address	316 1ST AVE E, ROCK RAPIDS, IA 51246-1703
Document Number	02017/0951
Book / Page	2017 / 0951
Instrument Date	Apr 14, 2017
Instrument	2017 0951
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 1ST AVE E, ROCK RAPIDS, IA 51246-1703

Mortgage

Document Number	02017/0958
Date	Apr 17, 2017
Book Page	2017/0958
Instrument	2017 0958

Lender

Name	PREMIER BANK
Type	Bank
Address	ROCK RAPIDS, IA 51246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Lyon County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Lyon County
Municipality	Rock Rapids City
Unified School District	Central Lyon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$622.00	$46,430 (+13.74%) Land $20,780 Building $25,650	$46,430 (+13.74%) Land $20,780 Building $25,650
2024	$622.00 (+3.32%)
2023		$40,820 (+13.52%) Land $20,780 Building $20,040	$40,820 (+13.52%) Land $20,780 Building $20,040
2022	$602.00	$35,960 Land $20,780 Building $15,180
2021			$35,960 Land $20,780 Building $15,180

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 September 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	41 (1993–2024)
Claims Outside the SFHA	8 of 41
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 8 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 24 claims Severe Storms & Flooding, Jul 1993 · 8 claims

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 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	LYON-SIOUX RWS-ROCK RAPIDS private · serves 1,187 people · EPA ID IA6000800
Water Source	Purchased groundwater from several systems
Last State Inspection	Oct 2024
Lead	2 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	None 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Fiber · Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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