323 W Oak St, Eldridge, IA 52748 Property Records

Scott County property record for 323 W Oak St, Eldridge, IA 52748

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 976 sqft · built 1974
Lot Size	0.173 acres (7,536 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Aug 2023)
Tax Bill	$2,590 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9314323C8`

Property Details

APN / Parcel Number

Primary APN	`9314323C8`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	976 sqft Living Area
Basement Area	976 sqft
Finished Basement	746 sqft
Unfinished Basement	276 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,536 sqft (0.173 acres)
Lot Dimensions	118 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch 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	323 W OAK ST
City	ELDRIDGE
State	IA
Zip	52748-1624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELDRIDGE ACRES 4TH ADD LOT: 128 ELDRIDGE ACRES 4THADD
Legal Subdivision	ELDRIDGE ACRES 4TH ADD
Legal Lot Number	128
Jurisdiction	SCOTT IA
Township / Civil Division	SHERIDAN
Census Block Group	2
Census Block	2041
Census Tract	10201

Owner

323 W Oak St is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	323 W OAK ST, ELDRIDGE, IA 52748-1624
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
Aug 2, 2023	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jun 7, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2023 · Amount on File
Deed Sale	Aug 2, 2023 · Amount on File
Prior Sale	May 10, 2019 · Amount on File
Deed Document Number	202313551
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTT IA
Recording Date	Aug 2, 2023
Property Address	323 W OAK ST, ELDRIDGE, IA 52748-1624
Document Number	202300013551
Instrument Date	Jul 11, 2023
Instrument	202300013551
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	323 W OAK ST, ELDRIDGE, IA 52748-1624

Mortgage

Document Number	202300013552
Date	Aug 2, 2023
Instrument	202300013552

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTT IA
Recording Date	Jun 7, 2022
Property Address	323 W OAK ST, ELDRIDGE, IA 52748-1624
Document Number	202200015674
Instrument Date	May 24, 2022
Instrument	202200015674
Transaction Type	Transfer
Record Updated	Dec 27, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	323 W OAK ST, ELDRIDGE, IA 52748-1624

Mortgage

Document Number	202200015676
Date	Jun 7, 2022
Instrument	202200015676

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT IA
Property Address	323 W OAK ST, ELDRIDGE, IA 52748-1624
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100007278
Date	Mar 2, 2021
Instrument	202100007278

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 323 W Oak St was $2,590 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Iowa
County	Scott County
Municipality	Eldridge City
Unified School District	North Scott Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,590.00	$228,700 (-) Land $52,900 Building $175,800	$228,700 (-) Land $52,900 Building $175,800
2025	$2,590.00 (+3.52%) Homeowner's exemption	$228,700 Land $52,900 Building $175,800	$228,700 Land $52,900 Building $175,800
2024	$2,502.00
2023		$201,800 (+21.79%) Land $34,000 Building $167,800	$201,800 Land $34,000 Building $167,800
2022	$2,410.00 (+3.17%)	$165,690 Land $26,500 Building $139,190
2021	$2,336.00		$165,690 Land $26,500 Building $139,190

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

Flood

FEMA maps place 323 W Oak St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective April 18, 2024 · 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	2 in force
Nearby Flood Claims	4 (2010–2013)
Claims Outside the SFHA	4 of 4
Most Recent Claim	May 2013 · 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

Wildfire risk around 323 W Oak 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 99.8% of the US · lower than 98.1% 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	ELDRIDGE WATER SUPPLY serves 6,726 people · EPA ID IA8230008
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	1 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	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 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CentraCom Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Verizon.

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