403 4th St, Lester, IA 51242 Property Records

Lyon County property record for 403 4th St, Lester, IA 51242

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,480 sqft · built 1959
Lot Size	0.356 acres (15,510 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jun 2026)
Tax Bill	$2,532 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2026 Sale + 7 more
Flood Zone	Zone X (minimal risk)
APN	`370000011300000`

Property Details

APN / Parcel Number

Primary APN	`370000011300000`

Interior

Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,480 sqft Living Area
1st Floor Area	1,480 sqft
Basement Area	1,480 sqft
Finished Basement	1,280 sqft
Unfinished Basement	1,480 sqft
Game Room	Game Room
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,510 sqft (0.356 acres)
Lot Dimensions	142 ft deep x 113 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	Deck Area
Patio Area	440 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	403 4TH ST
City	LESTER
State	IA
Zip	51242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	HARMS SUBDIV LOT 8 EXC TRACT, LOT 9 EXC E 10' & TRACT IN LOT 7, BLK 1
Legal Subdivision	HARMS SUB
Legal Block	1
Legal Lot Number	7-9
Jurisdiction	LYON IA
Township / Civil Division	LARCHWOOD
Census Block Group	1
Census Block	1059
Census Tract	950300

Owner

Source: Lyon County records, as of July 16, 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 File
Mailing Address	403 4TH ST, LESTER, IA 51242
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Jun 29, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Dec 14, 2023	Warranty Deed, Transfer
Jul 20, 2023	Quit Claim Deed, Transfer Quitclaim
May 5, 2023	Deed, Transfer
Mar 3, 2023	Deed, Transfer
Mar 3, 2023	Deed, Transfer
Mar 3, 2023	Deed, Transfer
Apr 17, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on File
Deed Sale	Jun 29, 2026 · Amount on File
Prior Sale	Dec 14, 2023 · Amount on File
Deed Document Number	20261611
Deed Book / Page	2026 / 1611
Prior Transfer Date	Jul 20, 2023
Prior Transfer Doc	0000001469
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Recording Date	Aug 12, 2026
Property Address	403 4TH ST, LESTER, IA 51242
Document Number	0000002001
Book / Page	2026 / 2001
Instrument Date	Jun 26, 2026
Instrument	20262001
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 4TH ST, LESTER, IA 51242

Mortgage

Document Number	0000002001,
Date	Aug 12, 2026
Book Page	2026/2001
Instrument	20262001

Lender

Name	PEOPLES BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	83 Months
Due	Jul 1, 2033

Interest

Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Jun 29, 2026
Property Address	403 4TH ST, LESTER, IA 51242
Document Number	0000001611
Book / Page	2026 / 1611
Instrument Date	Jun 4, 2026
Instrument	20261611
Transaction Type	Transfer
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$47,591.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 4TH ST, LESTER, IA 51242

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Dec 14, 2023
Property Address	403 4TH ST, LESTER, IA 51242
Document Number	02023/2483
Book / Page	2023 / 2483
Instrument Date	Dec 14, 2023
Instrument	2023 2483
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Amount	Amount on Record
Tax	$67.20
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	403 4TH ST, LESTER, IA 51242

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LYON IA
Recording Date	Jul 20, 2023
Property Address	403 4TH ST, LESTER, IA 51242
Document Number	02023/1469
Book / Page	2023 / 1469
Map Reference	BK 2023 PG 78
Instrument Date	Jul 20, 2023
Instrument	2023 1469
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 4TH ST, LESTER, IA 51242

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LYON IA
Recording Date	May 5, 2023
Property Address	403 4TH ST, LESTER, IA 51242
Document Number	002023/894
Book / Page	2023 / 894
Map Reference	BK 2023 PG 785
Instrument Date	May 5, 2023
Instrument	2023 0894
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Amount	Amount on Record
Tax	$399.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 4TH ST, LESTER, IA 51242

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LYON IA
Recording Date	Mar 3, 2023
Property Address	403 4TH ST, LESTER, IA 51242
Document Number	002023/467
Book / Page	2023 / 467
Map Reference	BK 2023 PG 370
Instrument Date	Mar 2, 2023
Instrument	2023 0467
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Amount	Amount on Record
Tax	$132.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 4TH ST, LESTER, IA 51242

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LYON IA
Recording Date	Mar 3, 2023
Property Address	403 4TH ST, LESTER, IA 51242
Document Number	002023/464
Book / Page	2023 / 464
Map Reference	BK 2023 PG 370
Instrument Date	Mar 2, 2023
Instrument	2023 0464
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Amount	Amount on Record
Tax	$132.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 4TH ST, LESTER, IA 51242

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LYON IA
Recording Date	Mar 3, 2023
Property Address	403 4TH ST, LESTER, IA 51242
Document Number	002023/470
Book / Page	2023 / 470
Map Reference	BK 2023 PG 370
Instrument Date	Feb 22, 2023
Instrument	2023 0470
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Amount	Amount on Record
Tax	$132.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 4TH ST, LESTER, IA 51242

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Apr 17, 2020
Property Address	403 4TH ST, LESTER, IA 51242
Document Number	002020/893
Book / Page	2020 / 893
Instrument Date	Apr 17, 2020
Instrument	2020 0893
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	2020/894
Date	Apr 17, 2020
Book Page	2020/894
Instrument	2020 0894

Lender

Name	AMERICAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,532.00 Homeowner's exemption	$251,150 (+20.42%) Land $16,170 Building $234,980	$251,150 (+20.42%) Land $16,170 Building $234,980
2024	$2,532.00 (+38.06%)
2023		$208,570 (+30.23%) Land $16,170 Building $192,400	$208,570 (+30.23%) Land $16,170 Building $192,400
2022	$1,834.00 (+4.44%) Homeowner's exemption	$160,150 Land $16,170 Building $143,980
2021	$1,756.00		$160,150 Land $16,170 Building $143,980

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 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

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 4th St

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