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

Ringgold County property record for 403 E Monroe St, Mount Ayr, IA 50854

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1958
Lot Size	0.15 acres (6,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$8,000 (Feb 2025)
Tax Bill	$834 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`006029`

Property Details

APN / Parcel Number

Primary APN	`006029`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	720 sqft Base Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Construction Type	Frame
Roof Material	Galvanized Metal
Lot Area	6,600 sqft (0.15 acres)
Lot Dimensions	132 ft deep x 50 ft wide

Location & Zoning

Street Address	403 E MONROE ST
City	MOUNT AYR
State	IA
Zip	50854-1730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 50' LOTS 317 & 318 O P
Legal Subdivision	ORIGNAL PLAT OF 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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	403 E MONROE ST, MOUNT AYR, IA 50854-1730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE BANK
Oct 17, 2023	Deed of Trust, Mortgage · Closed-End Mortgage PCSB BANK
Feb 18, 2025	Intrafamily Transfer, Transfer
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE BANK
Sep 21, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST HERITAGE BANK
Apr 26, 2007	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2025 · Amount on Record
Deed Sale	Feb 18, 2025 · Amount on Record
Prior Sale	Apr 26, 2007 · Amount on Record
Deed Document Number	2025197
Deed Book / Page	589 / 276
Prior Transfer Date	Feb 11, 2025
Prior Transfer Doc	0000000197
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RINGGOLD IA
Property Address	403 E MONROE ST, MOUNT AYR, IA 50854-1730
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000523/111
Date	May 14, 2021
Book Page	523/111
Instrument	2021-00000740

Lender

Name	FIRST HERITAGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 2, 2025

Interest

Rate Type	Fixed Rate

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RINGGOLD IA
Property Address	403 E MONROE ST, MOUNT AYR, IA 50854-1730
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E MONROE ST, MOUNT AYR, IA 50854-1730

Mortgage

Document Number	000567/260
Date	Oct 17, 2023
Book Page	567/260
Instrument	2023- 00001133

Lender

Name	PCSB BANK
Type	Bank
Address	CLARINDA, IA 51632

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2033

February 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RINGGOLD IA
Recording Date	Feb 18, 2025
Property Address	403 E MONROE ST, MOUNT AYR, IA 50854-1730
Document Number	000589/276
Book / Page	589 / 276
Instrument Date	Feb 11, 2025
Instrument	2025- 00000197
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
Address	403 E MONROE ST, MOUNT AYR, IA 50854-1730

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	403 E MONROE ST, MOUNT AYR, IA 50854-1730

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RINGGOLD IA
Property Address	403 E MONROE ST, MOUNT AYR, IA 50854-1730
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000509/64
Date	Sep 25, 2020
Book Page	509/64
Instrument	2020-00001374

Lender

Name	FIRST HERITAGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 1, 2025

Interest

Rate Type	Fixed Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RINGGOLD IA
Recording Date	Sep 21, 2020
Property Address	403 E MONROE ST, MOUNT AYR, IA 50854-1730
Document Number	000508/180
Book / Page	508 / 180
Instrument Date	Sep 11, 2020
Instrument	2020-00001330
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$47.20
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 E MONROE ST, MOUNT AYR, IA 50854-1730

Mortgage

Document Number	202000001374
Date	Sep 21, 2020
Instrument	2020-00001374

Lender

Name	FIRST HERITAGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Oct 1, 2025

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	000508/117
Date	Sep 17, 2020
Book Page	508/117
Instrument	2020-00001317

Lender

Name	FIRST HERITAGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 1, 2025

Interest

Rate Type	Fixed Rate

April 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RINGGOLD IA
Recording Date	Apr 26, 2007
Property Address	403 E MONROE ST, MOUNT AYR, IA 50854-1730
Document Number	00322/0399
Book / Page	322 / 0399
Instrument Date	Apr 25, 2007
Instrument	2007- 00000564
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$53.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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	$834.00 (+3.99%)	$48,321 (+20.33%) Land $6,000 Building $42,321	$48,321 (+20.33%) Land $6,000 Building $42,321
2024	$802.00 (+21.15%)
2023		$40,158 (+36.64%) Land $5,000 Building $35,158	$40,158 (+36.64%) Land $5,000 Building $35,158
2022	$662.00	$29,390 Land $5,000 Building $24,390
2021			$29,390 Land $5,000 Building $24,390

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 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

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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