401 E Monroe St, Mount Ayr, IA 50854 Property Records

Ringgold County property record for 401 E Monroe St, Mount Ayr, IA 50854

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 384 sqft · built 1880
Lot Size	0.17 acres (7,392 sqft)
Owner	2 Individual Names on File
Last Sale	$92,000 (Mar 2026)
Tax Bill	$1,646 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jun 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005680`

Property Details

APN / Parcel Number

Primary APN	`005680`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	384 sqft Base Area
1st Floor Area	384 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,392 sqft (0.17 acres)
Lot Dimensions	132 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	401 E MONROE ST
City	MOUNT AYR
State	IA
Zip	50854-1730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 317 & 318 (EX E 50') O P
Legal Subdivision	ORIGINAL PLAT TO THE TOWN OF MOUNT AYR
Legal Lot Number	317,318
Jurisdiction	RINGGOLD IA
Township / Civil Division	MOUNT AYR
Census Block Group	2
Census Block	2032
Census Tract	950200

Owner

401 E Monroe St is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	401 E MONROE ST, MOUNT AYR, IA 50854-1730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 5, 2026	Warranty Deed, Transfer · USDA Mortgage USDA
Jun 11, 2025	Warranty Deed, Transfer
Aug 20, 2012	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2026 · Amount on File
Deed Sale	Mar 5, 2026 · Amount on File
Prior Sale	Jun 11, 2025 · Amount on File
Deed Document Number	2026277
Deed Book / Page	608 / 195
Prior Transfer Date	Aug 20, 2012
Prior Transfer Doc	381/0233
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RINGGOLD IA
Recording Date	Mar 5, 2026
Property Address	401 E MONROE ST, MOUNT AYR, IA 50854-1730
Document Number	000608/195
Book / Page	608 / 195
Instrument Date	Mar 5, 2026
Instrument	2026- 00000277
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146.40
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	401 E MONROE ST, MOUNT AYR, IA 50854-1730

Mortgage

Document Number	202600000278
Date	Mar 5, 2026
Instrument	2026- 00000278

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	396 Months
Due	Mar 5, 2059

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RINGGOLD IA
Recording Date	Jun 11, 2025
Property Address	401 E MONROE ST, MOUNT AYR, IA 50854-1730
Document Number	0000595/49
Book / Page	595 / 49
Instrument Date	Jun 5, 2025
Instrument	2025- 00000671
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$144.80
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	401 E MONROE ST, MOUNT AYR, IA 50854-1730
Investor	Possibly a Property Investor

August 2012: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	RINGGOLD IA
Recording Date	Aug 20, 2012
Property Address	401 E MONROE ST, MOUNT AYR, IA 50854-1730
Document Number	00381/0233
Book / Page	381 / 0233
Instrument Date	Aug 20, 2012
Instrument	2012- 00001064
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 E MONROE ST, MOUNT AYR, IA 50854-1730

Tax Assessment & Valuation

The 2025 property tax bill for 401 E Monroe St was $1,646 with a homeowner's exemption, up 48.3% from the year before.

Source: Ringgold County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,646.00 (+48.29%) Homeowner's exemption	$95,476 Land $6,240 Building $89,236	$95,476 Land $6,240 Building $89,236
2024	$1,110.00
2023		$79,919 (+24.66%) Land $5,600 Building $74,319	$79,919 Land $5,600 Building $74,319
2022	$1,244.00 Homeowner's exemption	$64,109 Land $5,600 Building $58,509
2021			$64,109 Land $5,600 Building $58,509

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

Flood

FEMA maps place 401 E Monroe St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 17, 2017

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 401 E Monroe 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	MOUNT AYR WATER TREATMENT PLANT serves 1,683 people · EPA ID IA8055014
Water Source	Purchased surface water from SIRWA #2 (CRESTON)
Last State Inspection	Mar 2025
Lead	2 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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	200 / 20
Lockridge Networks Fixed Wireless	100 / 20

May also be available: Nextlink.

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