326 W Bluff St, Carroll, IA 51401 Property Records

Carroll County property record for 326 W Bluff St, Carroll, IA 51401

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,664 sqft · built 1915
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$48,000 (Mar 2009)
Tax Bill	$1,150 (2026)
Deeds & Mortgages	Mar 2005 Line of Credit Mar 2009 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`0625137005`

Property Details

APN / Parcel Number

Primary APN	`0625137005`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,664 sqft Living Area
Basement Area	832 sqft
Unfinished Basement	832 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	248 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	326 W BLUFF ST
City	CARROLL
State	IA
Zip	51401-3006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIFTH ADDITION BLOCK 69 W 78 FT OF LOT 6
Legal Subdivision	FIFTH ADDITION
Legal Block	69
Legal Lot Number	6
Jurisdiction	CARROLL IA
Township / Civil Division	CARROLL
Census Block Group	2
Census Block	2045
Census Tract	960400

Owner

326 W Bluff St is owned and occupied by an individual who bought it in March 2009.

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

Owner of Record	Individual Name on File
Mailing Address	326 W BLUFF ST, CARROLL, IA 51401-3006
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
Mar 18, 2005	Deed of Trust, Mortgage · Line of Credit CARROLL COUNTY STATE BANK
Mar 4, 2009	Legal Action/Court Order, Foreclosure · Conventional Mortgage COMMERCIAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2009 · Amount on File
Deed Sale	Mar 4, 2009 · Amount on File
Deed Document Number	2009940
Deed Book / Page	2009 / 940
Record Updated	Oct 29, 2026

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IA
Property Address	326 W BLUFF ST, CARROLL, IA 51401-3006
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02005/0826
Date	Mar 18, 2005
Book Page	2005/0826
Instrument	2005-0826

Lender

Name	CARROLL COUNTY STATE BANK
Type	Non-Lending Institution
Address	CARROLL, IA 51401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 18, 2020

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2009: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CARROLL IA
Recording Date	Mar 4, 2009
Property Address	326 W BLUFF ST, CARROLL, IA 51401-3006
Document Number	002009/940
Book / Page	2009 / 940
Instrument Date	Feb 27, 2009
Instrument	2009-0940
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	SECURITY TITLE AND INVS COMPANY, SECURITY TITLE & INVESTMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 W BLUFF ST, CARROLL, IA 51401-3006

Mortgage

Document Number	0020090941
Date	Mar 4, 2009
Instrument	2009-0941

Lender

Name	COMMERCIAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 326 W Bluff St was $1,150 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,150.00	$109,730 (-) Land $11,880 Building $97,850	$109,730 (-) Land $11,880 Building $97,850
2025	$1,150.00 Homeowner's exemption	$109,730 Land $11,880 Building $97,850	$109,730 Land $11,880 Building $97,850
2023		$95,260 (+0.94%) Land $11,880 Building $83,380	$95,260 Land $11,880 Building $83,380
2022		$94,370 Land $14,980 Building $79,390
2021			$94,370 Land $14,980 Building $79,390
2018	$1,262.00

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

Flood

FEMA maps place 326 W Bluff St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 15, 2017 · 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
Nearby Flood Policies	1 in force

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 326 W Bluff 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	CARROLL MUNICIPAL WATER SUPPLY serves 10,321 people · EPA ID IA1415072
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	8 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	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 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BTC Fiber	2,000 / 2,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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