318 E 3rd St, Monticello, IA 52310 Property Records

Jones County property record for 318 E 3rd St, Monticello, IA 52310

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,188 sqft · built 2013
Lot Size	0.235 acres (10,240 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Jul 2022)
Tax Bill	$1,670 (2026)
Deeds & Mortgages	Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0222355008`

Property Details

APN / Parcel Number

Primary APN	`0222355008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	656 sqft
Basement Area	328 sqft
Unfinished Basement	328 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,240 sqft (0.235 acres)
Lot Dimensions	160 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	168 sqft
Patio 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	318 E 3RD ST
City	MONTICELLO
State	IA
Zip	52310-1537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TURCKS ADD N 1/2 LOT 10
Legal Subdivision	TURCKS
Legal Lot Number	10
Jurisdiction	JONES IA
Township / Civil Division	LOVELL
Census Block Group	4
Census Block	4022
Census Tract	70600

Owner

318 E 3rd St is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	318 E 3RD ST, MONTICELLO, IA 52310-1537
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2022 · Amount on File
Deed Sale	Jul 5, 2022 · Amount on File
Prior Sale	Sep 28, 2012 · Amount on File
Deed Document Number	20221981
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JONES IA
Property Address	318 E 3RD ST, MONTICELLO, IA 52310-1537
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020221982
Date	Jul 5, 2022
Instrument	2022-1982

Lender

Name	OHNWARD BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2042

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8.5%
Index	12-Month MTA
Margin	3

Tax Assessment & Valuation

The 2026 property tax bill for 318 E 3rd St was $1,670.

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

Property Jurisdictions

Type	Name
State	Iowa
County	Jones County
Municipality	Monticello City
Unified School District	Monticello Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,670.00	$118,760 (+22.14%) Land $14,210 Building $104,550	$118,760 (+22.14%) Land $14,210 Building $104,550
2025	$1,670.00 (+0.48%)	$97,230 Land $14,210 Building $83,020	$97,230 Land $14,210 Building $83,020
2024	$1,662.00
2023		$89,000 (+19.08%) Land $14,210 Building $74,790	$89,000 Land $14,210 Building $74,790
2022	$1,594.00	$74,740 Land $14,210 Building $60,530
2021			$74,740 Land $14,210 Building $60,530

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

Flood

FEMA maps place 318 E 3rd St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · 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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2010–2013)
Most Recent Claim	Jun 2013 · Severe Storms, Tornadoes, And Flooding

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 318 E 3rd St is low, with less than 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 96% of the US · lower than 71% 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	MONTICELLO WATER SUPPLY serves 4,040 people · EPA ID IA5343098
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	3 ppb (2023–2025) 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 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cascade Communications Fiber	1,000 / 1,000
Comelec Internet Services Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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