322 N 2nd St, Sheffield, IA 50475 Property Records

Franklin County property record for 322 N 2nd St, Sheffield, IA 50475

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,120 sqft · built 1947
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$136,000 (Jun 2025)
Tax Bill	$1,890 (2025)
Deeds & Mortgages	Sep 2011 Mortgage Nov 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`030432800800`

Property Details

APN / Parcel Number

Primary APN	`030432800800`
Alternative APN	`0304328008`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Finished Basement	600 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	264 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	40 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	322 N 2ND ST
City	SHEFFIELD
State	IA
Zip	50475-7706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BORSTS 1ST N 66' LOT (SEQ:1), 2 & 3 BLK 1 (SEQ:2) WD-2025-1042 (2025-06-18), WD-2020-1614 (2020-10-05), WD-2018-2071 (2018-11-26), WD-#03-0242 (2003-01-31)
Legal Subdivision	BORSTS 1ST
Legal Block	1
Legal Lot Number	2,3
Jurisdiction	FRANKLIN IA
Township / Civil Division	SHEFFIELD
Census Block Group	4
Census Block	4007
Census Tract	360100

Owner

Source: Franklin County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	322 N 2ND ST, SHEFFIELD, IA 50475-7706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2011	Deed of Trust, Mortgage · Conventional Mortgage MERCY CITY LEHIGH FAMILY CU
Nov 28, 2006	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 5, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK & TRUST CO
Nov 26, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOAN INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2025 · Amount on Record
Deed Sale	Jun 18, 2025 · Amount on Record
Prior Sale	Oct 5, 2020 · Amount on Record
Deed Document Number	20251042
Record Updated	Oct 29, 2026

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN IA
Property Address	322 N 2ND ST, SHEFFIELD, IA 50475-7706
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020111661
Date	Sep 20, 2011
Instrument	20111661

Lender

Name	MERCY CITY LEHIGH FAMILY CU
Address	MASON CITY, IA 50401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 11, 2026

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN IA
Property Address	322 N 2ND ST, SHEFFIELD, IA 50475-7706
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020062547
Date	Nov 28, 2006
Instrument	20062547

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	BALTIMORE, MD 21297

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2036

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN IA
Recording Date	Oct 5, 2020
Property Address	322 N 2ND ST, SHEFFIELD, IA 50475-7706
Document Number	0020201614
Instrument Date	Oct 1, 2020
Instrument	20201614
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 N 2ND ST, SHEFFIELD, IA 50475-7706

Mortgage

Document Number	0020201618
Date	Oct 5, 2020
Instrument	20201618

Lender

Name	UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Nov 15, 2025

Interest

Rate Type	Fixed Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN IA
Recording Date	Nov 26, 2018
Property Address	322 N 2ND ST, SHEFFIELD, IA 50475-7706
Document Number	0020182071
Instrument Date	Nov 14, 2018
Instrument	20182071
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Amount	Amount Recorded
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	322 N 2ND ST, SHEFFIELD, IA 50475-7706

Mortgage

Document Number	0020182072
Date	Nov 26, 2018
Instrument	20182072

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Franklin County
Municipality	Sheffield City
Unified School District	West Fork Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,890.00 (-10.17%)	$128,800 (+7.07%) Land $11,800 Building $117,000	$128,800 (+7.07%) Land $11,800 Building $117,000
2024	$2,104.00 (-6.07%)
2023		$120,300 (+5.53%) Land $11,800 Building $108,500	$120,300 (+5.53%) Land $11,800 Building $108,500
2022	$2,240.00	$114,000 Land $11,800 Building $102,200
2021			$114,000 Land $11,800 Building $102,200

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 August 26, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2010–2016)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2016 · 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 76% 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	SHEFFIELD WATER SUPPLY serves 1,130 people · EPA ID IA3570037
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
Router12 Networks Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Rockwell Cooperative Telephone.

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