401 Madison St, Diagonal, IA 50845 Property Records

Ringgold County property record for 401 Madison St, Diagonal, IA 50845

Property Summary

Property Type	Single Family Home
Lot Size	0.47 acres (20,502 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,366 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0019121`

Property Details

APN / Parcel Number

Primary APN	`0019121`

Exterior

Lot Area	20,502 sqft (0.47 acres)

Location & Zoning

Street Address	401 MADISON ST
City	DIAGONAL
State	IA
Zip	50845-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 148' OF W 1/2 LOT 3 NW ADD
Legal Lot Number	3
Jurisdiction	RINGGOLD IA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2207
Census Tract	950100

Owner

401 Madison St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	401 MADISON, CUMBERLAND, IA 50843
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
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage IOWA BANKERS MORTGAGE CORP
Nov 5, 2018	Deed of Trust, Mortgage IOWA STATE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RINGGOLD IA
Property Address	401 MADISON ST, DIAGONAL, IA 50845-1015
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000502/3
Date	Jun 12, 2020
Book Page	502/3
Instrument	2020-00000735

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2040

Interest

Rate Type	Fixed Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RINGGOLD IA
Property Address	401 MADISON ST, DIAGONAL, IA 50845-1015
Transaction Type	Mortgage
Record Updated	Nov 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000475/0000000031
Date	Nov 5, 2018
Book Page	0000000475/0000000031
Instrument	000000001202

Lender

Name	IOWA STATE SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	350 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 401 Madison St was $3,366 with a homeowner's exemption, down 15% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,366.00 (-14.96%) Homeowner's exemption	$197,804 Land $7,548 Building $190,256	$197,804 Land $7,548 Building $190,256
2024	$3,958.00
2023		$208,953 (+37.53%) Land $7,548 Building $201,405	$208,953 Land $7,548 Building $201,405
2022	$3,280.00 Homeowner's exemption	$151,938 Land $7,548 Building $144,390
2021			$151,938 Land $7,548 Building $144,390

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

Flood

FEMA maps place 401 Madison 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 Madison St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · above 40% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	DIAGONAL WATER DEPARTMENT serves 338 people · EPA ID IA8018040
Water Source	Purchased surface water from SIRWA #2 (CRESTON)
Last State Inspection	Feb 2025
Lead	2 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 1,000
Windstream DSL	200 / 20
Lockridge Networks Fixed Wireless	100 / 20

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Madison St

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