402 E 5th St, Villisca, IA 50864 Property Records

Montgomery County property record for 402 E 5th St, Villisca, IA 50864

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,208 sqft · built 1900
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,580 (2025)
Deeds & Mortgages	Oct 2025 Mortgage May 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`641227205009000`

Property Details

APN / Parcel Number

Primary APN	`641227205009000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,208 sqft Living Area
1st Floor Area	900 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Unfinished Basement	900 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide

Exterior Amenities

Porch	Slab
Porch Area	156 sqft
Patio Area	100 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	402 E 5TH ST
City	VILLISCA
State	IA
Zip	50864-1222
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG LT 298
Legal Subdivision	TOWN OF VILLISCA
Legal Lot Number	298
Jurisdiction	MONTGOMERY IA
Township / Civil Division	EAST
Census Block Group	3
Census Block	3145
Census Tract	960400

Owner

Source: Montgomery County records, as of September 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	405 E 4TH ST, VILLISCA, IA 50864-1147
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage HOUGHTON STATE BANK
May 19, 2023	Deed of Trust, Mortgage · Line of Credit HOUGHTON STATE BANK

Assessor's Deed Record

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

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	402 E 5TH ST, VILLISCA, IA 50864-1222
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/1548
Date	Oct 24, 2025
Book Page	2025/1548
Instrument	2025 1548

Lender

Name	HOUGHTON STATE BANK
Type	Bank
Address	RED OAK, IA 51566

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	1-Year CMT
Max Rate	13.7%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	402 E 5TH ST, VILLISCA, IA 50864-1252
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002023/688
Date	May 19, 2023
Book Page	2023/688
Instrument	2023 0688

Lender

Name	HOUGHTON STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of October 2, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,580.00 (+30.36%)	$75,930 (+40.3%) Land $7,500 Building $68,430	$75,930 (+40.3%) Land $7,500 Building $68,430
2024	$1,212.00 (+5.57%)
2023		$54,120 Land $4,500 Building $49,620	$54,120 Land $4,500 Building $49,620
2022	$1,148.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 1, 2016

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

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	VILLISCA MUNICIPAL WATER DEPT serves 1,132 people · EPA ID IA6985051
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) 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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FMTC of Stanton Iowa Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

4G LTE only, no 5G reported

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