404 W Oak St, Eldridge, IA 52748 Property Records

Scott County property record for 404 W Oak St, Eldridge, IA 52748

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,037 sqft · built 1974
Lot Size	0.193 acres (8,407 sqft)
Owner	2 Individual Names on File
Last Sale	$237,000 (Apr 2021)
Tax Bill	$3,284 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`931432345`

Property Details

APN / Parcel Number

Primary APN	`931432345`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,037 sqft Living Area
Basement Area	1,037 sqft
Finished Basement	726 sqft
Unfinished Basement	311 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,407 sqft (0.193 acres)
Lot Dimensions	70 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	530 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	300 sqft
Patio Area	200 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 W OAK ST
City	ELDRIDGE
State	IA
Zip	52748-1637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELDRIDGE ACRES 4TH ADD LOT: 045 ELDRIDGE ACRES 4THADD
Legal Subdivision	ELDRIDGE ACRES 4TH ADD
Legal Lot Number	45
Jurisdiction	SCOTT IA
Township / Civil Division	SHERIDAN
Census Block Group	2
Census Block	2036
Census Tract	10201

Owner

404 W Oak St is owned and occupied by two individuals who bought it in April 2021.

Source: Scott County records, as of October 20, 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	404 W OAK ST, ELDRIDGE, IA 52748-1637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 1, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Jan 5, 2017	Deed of Trust, Mortgage · Line of Credit DUTRAC COMMUNITY CU
Oct 23, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2021 · Amount on File
Deed Sale	Apr 1, 2021 · Amount on File
Prior Sale	Oct 23, 2017 · Amount on File
Deed Document Number	202111110
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT IA
Property Address	404 W OAK ST, ELDRIDGE, IA 52748-1637
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 W OAK ST, ELDRIDGE, IA 52748-1637

Mortgage

Document Number	2025023364
Date	Nov 26, 2025
Instrument	2025-023364

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD STE 175, BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTT IA
Recording Date	Apr 1, 2021
Property Address	404 W OAK ST, ELDRIDGE, IA 52748-1637
Document Number	202100011110
Instrument Date	Mar 16, 2021
Instrument	202100011110
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$378.40
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	404 W OAK ST, ELDRIDGE, IA 52748-1637
Investor	Possibly a Property Investor

Mortgage

Document Number	202100011112
Date	Apr 1, 2021
Instrument	202100011112

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT IA
Property Address	404 W OAK ST, ELDRIDGE, IA 52748-1637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700000477
Date	Jan 5, 2017
Instrument	2017-00000477

Lender

Name	DUTRAC COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52004

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 4, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTT IA
Recording Date	Oct 23, 2017
Property Address	404 W OAK ST, ELDRIDGE, IA 52748-1637
Document Number	201700029117
Instrument Date	Oct 13, 2017
Instrument	2017-00029117
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
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 W OAK ST, ELDRIDGE, IA 52748-1637

Tax Assessment & Valuation

The 2026 property tax bill for 404 W Oak St was $3,284.

Source: Scott County assessment roll, as of October 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,284.00	$276,100 (-) Land $58,800 Building $217,300	$276,100 (-) Land $58,800 Building $217,300
2025	$3,284.00 (+2.82%)	$276,100 Land $58,800 Building $217,300	$276,100 Land $58,800 Building $217,300
2024	$3,194.00
2023		$249,100 Land $37,800 Building $211,300	$249,100 Land $37,800 Building $211,300
2022	$3,200.00

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

Flood

FEMA maps place 404 W Oak St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective April 18, 2024 · 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	2 in force
Nearby Flood Claims	4 (2010–2013)
Claims Outside the SFHA	4 of 4
Most Recent Claim	May 2013 · rainfall accumulation

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

Wildfire risk around 404 W Oak St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.02% 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	ELDRIDGE WATER SUPPLY serves 6,726 people · EPA ID IA8230008
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	1 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	1 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 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CentraCom Fiber	8,000 / 8,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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