400 5th St, Lester, IA 51242 Property Records

Lyon County property record for 400 5th St, Lester, IA 51242

Property Summary

Property Type	Single Family Home
Details	1 ba · 826 sqft · built 1900
Lot Size	0.132 acres (5,740 sqft)
Owner	Individual Name on File
Last Sale	$25,000 (Mar 2017)
Tax Bill	$670 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Mar 2017 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`370000011000000`

Property Details

APN / Parcel Number

Primary APN	`370000011000000`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	826 sqft Living Area
1st Floor Area	256 sqft
Attic	Attic
Attic Area	90 sqft
Basement Area	128 sqft
Unfinished Basement	128 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	5,740 sqft (0.132 acres)
Lot Dimensions	140 ft deep x 41 ft wide
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	42 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	400 5TH ST
City	LESTER
State	IA
Zip	51242-7729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	HARMS SUBDIV E 41' OF LOT 6 BLK 1
Legal Subdivision	HARMS SUB
Legal Block	1
Legal Lot Number	6
Jurisdiction	LYON IA
Township / Civil Division	LARCHWOOD
Census Block Group	1
Census Block	1059
Census Tract	950300

Owner

400 5th St is owned and occupied by an individual who bought it in March 2017.

Source: Lyon County records, as of December 23, 2025

Owner of Record	Individual Name on File
Mailing Address	400 5TH ST, LESTER, IA 51242-7729
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
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN STATE BANK
Mar 31, 2017	Deed of Trust, Mortgage · Construction Mortgage AMERICAN STATE BANK
Jul 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN STATE BANK
Jun 14, 2018	Deed of Trust, Mortgage AMERICAN STATE BANK HOME LOAN CENTER
Mar 31, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2017 · Amount on File
Deed Sale	Mar 31, 2017 · Amount on File
Prior Sale	Oct 17, 2005 · Amount on File
Deed Document Number	2017808
Deed Book / Page	2017 / 808
Prior Transfer Date	Oct 14, 2005
Prior Transfer Doc	2005/2651
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	400 5TH ST, LESTER, IA 51242-7729
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3044
Date	Oct 21, 2020
Book Page	2020/3044
Instrument	2020 3044

Lender

Name	AMERICAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	400 5TH ST, LESTER, IA 51242-7729
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/0804
Date	Mar 31, 2017
Book Page	2017/0804
Instrument	2017 0804

Lender

Name	AMERICAN STATE BANK
Type	Bank
Address	ALVORD, IA 51230

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	7 Months
Due	Oct 1, 2017

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	400 5TH ST, LESTER, IA 51242-7729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1722
Date	Jul 7, 2017
Book Page	2017/1722
Instrument	20171722

Lender

Name	AMERICAN STATE BANK
Type	Bank
Address	SIOUX CENTER, IA 51250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2032

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	400 5TH ST, LESTER, IA 51242-7729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001537
Date	Jun 14, 2018
Book Page	0000002018/0000001537
Instrument	000000001537

Lender

Name	AMERICAN STATE BANK HOME LOAN CENTER

Agreement

Amount	Amount on Record
Term	175 Months
Due	Jan 1, 2033

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Mar 31, 2017
Property Address	400 5TH ST, LESTER, IA 51242-7729
Document Number	2017/0808
Book / Page	2017 / 0808
Instrument Date	Mar 27, 2017
Instrument	2017 0808
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Amount	Amount on Record
Tax	$39.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 5TH ST, LESTER, IA 51242-7729

Tax Assessment & Valuation

The 2025 property tax bill for 400 5th St was $670 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$670.00 Homeowner's exemption	$72,620 Land $6,030 Building $66,590	$72,620 Land $6,030 Building $66,590
2024	$670.00
2023		$62,550 (+30.53%) Land $6,030 Building $56,520	$62,550 Land $6,030 Building $56,520
2022	$474.00 Homeowner's exemption	$47,920 Land $6,030 Building $41,890
2021			$47,920 Land $6,030 Building $41,890

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

Flood

FEMA maps place 400 5th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 23, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 400 5th 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 99.1% of the US · lower than 91% 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	LESTER WATER SUPPLY serves 296 people · EPA ID IA6055077
Water Source	Purchased groundwater from LYON-SIOUX RWS-BIG SIOUX
Last State Inspection	Feb 2024
Lead	2 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	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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Alliance Communications Cooperative Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 5th St

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