404 E Ramsey St, Bancroft, IA 50517 Property Records

Kossuth County property record for 404 E Ramsey St, Bancroft, IA 50517

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 672 sqft · built 1949
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Sep 2022)
Tax Bill	$928 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-24-260-002`

Property Details

APN / Parcel Number

Primary APN	`10-24-260-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	672 sqft Living Area
Basement Area	672 sqft
Unfinished Basement	672 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Detached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	70 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	404 E RAMSEY ST
City	BANCROFT
State	IA
Zip	50517-5009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK 12 HOLLOWAYS SUBDIV OF
Legal Subdivision	HOLLOWAYS SUBDIVISION
Legal Lot Number	9
Jurisdiction	KOSSUTH IA
Township / Civil Division	GREENWOOD
Census Block Group	2
Census Block	2028
Census Tract	950300

Owner

Source: Kossuth County records, as of September 9, 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	67 OAK LAKE DR, ALGONA, IA 50511-5000
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & TRADERS STATE BANK
Sep 1, 2022	Warranty Deed, Transfer
Aug 23, 2017	Warranty Deed, Transfer
Aug 1, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage IOWA STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2022 · Amount on Record
Deed Sale	Sep 1, 2022 · Amount on Record
Prior Sale	Oct 21, 2020 · Amount on Record
Deed Document Number	20222633
Deed Book / Page	2022 / 2633
Prior Transfer Date	Aug 21, 2017
Prior Transfer Doc	02017/2483
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	404 E RAMSEY ST, BANCROFT, IA 50517-5009
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3223
Date	Oct 21, 2020
Book Page	2020/3223
Instrument	2020 3223

Lender

Name	FARMERS & TRADERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Sep 1, 2022
Property Address	404 E RAMSEY ST, BANCROFT, IA 50517-5009
Document Number	02022/2633
Book / Page	2022 / 2633
Instrument Date	Aug 29, 2022
Instrument	2022 2633
Transaction Type	Transfer
Record Updated	Jan 9, 2024

Transaction

Amount	Amount Recorded
Tax	$103.20
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
Address	67 OAK LAKE DR, ALGONA, IA 50511-5000

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Aug 23, 2017
Property Address	404 E RAMSEY ST, BANCROFT, IA 50517-5009
Document Number	02017/2483
Book / Page	2017 / 2483
Instrument Date	Aug 21, 2017
Instrument	2017 2483
Transaction Type	Transfer
Record Updated	Jan 9, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 E RAMSEY ST, BANCROFT, IA 50517-5009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 E RAMSEY ST, BANCROFT, IA 50517-5009
Investor	Possibly a Property Investor

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Aug 1, 2017
Property Address	404 E RAMSEY ST, BANCROFT, IA 50517-5009
Document Number	02017/2266
Book / Page	2017 / 2266
Instrument Date	Aug 1, 2017
Instrument	2017 2266
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 E RAMSEY ST, BANCROFT, IA 50517-5009
Investor	Possibly a Property Investor

Mortgage

Document Number	02017/2267
Date	Aug 1, 2017
Book Page	2017/2267
Instrument	2017 2267

Lender

Name	IOWA STATE BANK
Type	Bank
Address	ALGONA, IA 50511

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kossuth County assessment roll, as of October 9, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Bancroft City
County	Kossuth County
Unified School District	North Kossuth Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$928.00 (-12.45%)	$61,433 (-5.01%) Land $6,375 Building $55,058
2024	$1,060.00 (+9.73%)
2023		$64,671 Land $6,375 Building $58,296	$64,671 (+5.27%) Land $6,375 Building $58,296
2021	$966.00		$61,433 Land $6,375 Building $55,058

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 March 19, 2018

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 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	Under 0.01% 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	BANCROFT WATER SUPPLY serves 711 people · EPA ID IA5507085
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Winnebago Cooperative Telecom Association Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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