320 4th St, Hudson, IA 50643 Property Records

Black Hawk County property record for 320 4th St, Hudson, IA 50643

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,290 sqft · built 1890
Lot Size	0.212 acres (9,240 sqft)
Owner	Individual Name on File
Last Sale	$142,000 (Jan 2021)
Tax Bill	$2,840 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8814-26-305-003`

Property Details

APN / Parcel Number

Primary APN	`8814-26-305-003`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,290 sqft Living Area
1st Floor Area	580 sqft
Basement Area	290 sqft
Unfinished Basement	290 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,240 sqft (0.212 acres)
Lot Dimensions	120 ft deep x 77 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	175 sqft
Deck Area	274 sqft
Patio Area	274 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	320 4TH ST
City	HUDSON
State	IA
Zip	50643-7731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT HUDSON E 77 FT LOT 6 BLK 18 E 77 FT LOT 7 BLK 18
Legal Range	14W
Legal Township	88N
Legal Section	26
Legal Subdivision	ORIGINAL PLAT HUDSON
Legal Block	18
Legal Lot Number	6,7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	BLACK HAWK
Census Block Group	2
Census Block	2039
Census Tract	3002

Owner

320 4th St is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	320 4TH ST, HUDSON, IA 50643-7731
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
Feb 27, 2017	Deed of Trust, Mortgage · Commercial Mortgage FARMERS STATE BANK
Jan 5, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2021 · Amount on File
Deed Sale	Jan 5, 2021 · Amount on File
Deed Document Number	202114090
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	320 4TH ST, HUDSON, IA 50643-7731
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700015100
Date	Feb 27, 2017
Instrument	2017-00015100

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2032

Interest

Rate Type	Adjustable Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 5, 2021
Property Address	320 4TH ST, HUDSON, IA 50643-7731
Document Number	202100014090
Instrument Date	Dec 14, 2020
Instrument	202100014090
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$226.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 4TH ST, HUDSON, IA 50643-7731

Mortgage

Document Number	202100014091
Date	Jan 5, 2021
Instrument	202100014091

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 320 4th St was $2,840, up 8.5% 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	$2,840.00 (+8.48%)	$169,370 Land $23,770 Building $145,600	$169,370 Land $23,770 Building $145,600
2024	$2,618.00
2023		$156,640 (+19.66%) Land $23,770 Building $132,870	$156,640 Land $23,770 Building $132,870
2022	$2,452.00	$130,900 Land $23,770 Building $107,130
2021			$130,900 Land $23,770 Building $107,130

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

Flood

FEMA maps place 320 4th 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 320 4th 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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