404 N Pine St, Creston, IA 50801 Property Records

Union County property record for 404 N Pine St, Creston, IA 50801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,192 sqft · built 1920
Lot Size	0.124 acres (5,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Sep 2025)
Tax Bill	$1,980 (2025)
Deeds & Mortgages	May 2023 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0501412011`

Property Details

APN / Parcel Number

Primary APN	`0501412011`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,192 sqft Living Area
Basement Area	1,192 sqft
Finished Basement	1,192 sqft
Unfinished Basement	1,208 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	120 ft deep x 45 ft wide
Porch	Slab
Porch Area	160 sqft
Deck Area	242 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	404 N PINE ST
City	CRESTON
State	IA
Zip	50801-2432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1ST NORTHERN S 45 FT LOT 4 BLK 6
Legal Subdivision	THE FIRST NORTHERN ADDITION
Legal Block	6
Legal Lot Number	4
Jurisdiction	UNION IA
Township / Civil Division	CRESTON
Census Block Group	5
Census Block	5019
Census Tract	190400

Owner

Source: Union County records, as of October 20, 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	404 N PINE ST, CRESTON, IA 50801-2432
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage PCSB BANK
Sep 10, 2025	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 21, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2025 · Amount on Record
Deed Sale	Sep 10, 2025 · Amount on Record
Deed Document Number	20251501
Deed Book / Page	1362 / 135
Prior Transfer Date	Oct 10, 2022
Prior Transfer Doc	0001294/60
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	404 N PINE ST, CRESTON, IA 50801-2432
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001306/321
Date	May 31, 2023
Book Page	1306/321
Instrument	2023-00000776

Lender

Name	PCSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION IA
Recording Date	Sep 10, 2025
Property Address	404 N PINE ST, CRESTON, IA 50801-2432
Document Number	001362/135
Book / Page	1362 / 135
Instrument Date	Sep 5, 2025
Instrument	2025-00001501
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$207.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 N PINE ST, CRESTON, IA 50801-2432

Mortgage

Document Number	202500001502
Date	Sep 10, 2025
Instrument	2025-00001502

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Mortgage

Document Number	001362/154
Date	Sep 10, 2025
Book Page	1362/154
Instrument	2025-00001503

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2035

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION IA
Recording Date	Oct 21, 2022
Property Address	404 N PINE ST, CRESTON, IA 50801-2432
Document Number	0001294/60
Book / Page	1294 / 60
Instrument Date	Oct 10, 2022
Instrument	2022-00002034
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 N PINE ST, CRESTON, IA 50801-2432

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$118,760 (-) Land $6,750 Building $112,010	$118,760 (-) Land $6,750 Building $112,010
2025	$1,980.00 (+21.03%)	$118,760 (+85.48%) Land $6,750 Building $112,010	$118,760 (+85.48%) Land $6,750 Building $112,010
2024	$1,636.00 (+24.51%)
2023		$64,030 Land $7,220 Building $56,810	$64,030 Land $7,220 Building $56,810
2022	$1,314.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 31, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	9 (1981–2026)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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	CRESTON WATER SUPPLY serves 7,536 people · EPA ID IA8816089
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	7 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Treatment Techniques Jun 2018
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 479 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Lockridge Networks Fixed Wireless	100 / 20

May also be available: Nextlink, OmniTel-Interstate Cablevision.

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