Benton County property record for 405 1st Ave, Keystone, IA 52249
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,196 sqft · built 1974 |
| Lot Size | 0.31 acres (13,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $180,000 (Oct 2020) |
| Tax Bill | $1,934 (2026) |
| Deeds & Mortgages | Mortgage Aug 2012 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09000450 |
| Primary APN | 09000450 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| Basement Area | 1,196 sqft |
| Unfinished Basement | 1,196 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 13,500 sqft (0.31 acres) |
| Lot Dimensions | 150 ft deep x 90 ft wide |
| Garage Type | Mixed |
| Garage Area | 976 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 384 sqft |
| Patio Area | 206 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 405 1ST AVE |
|---|---|
| City | KEYSTONE |
| State | IA |
| Zip | 52249-9600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FRANZENBURGS 4TH ADD LOT 3 |
| Legal Subdivision | FRANZENBURGS 4TH |
| Legal Lot Number | 3 |
| Jurisdiction | BENTON IA |
| Township / Civil Division | KANE |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 960600 |
Source: Benton 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 | 405 1ST AVE, KEYSTONE, IA 52249-9600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Deed of Trust, Mortgage | |
| Aug 8, 2012 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL LENDING CORP |
| Mar 12, 2007 | Deed of Trust, Mortgage · Line of Credit HIAWATHA BANK & TRUST CO |
| May 19, 2008 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| May 19, 2008 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Aug 8, 2012 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL LENDING CORP |
| Mar 31, 2026 | Intrafamily Transfer, Transfer |
| Oct 16, 2020 | Contract Sale, Transfer · Conventional Mortgage SARJJD LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2020 · Amount on Record |
| Deed Sale | Oct 16, 2020 · Amount on Record |
| Deed Document Number | 20204627 |
| Last Transfer Date | Mar 25, 2026 |
| Transfer Doc | 0000001129 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 405 1ST AVE, KEYSTONE, IA 52249-9600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 405 1ST AVE, KEYSTONE, IA 52249-9600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Title Company | SECURITY TITLE COMPANY, SECURITY FIRST TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 00012/3395 |
|---|---|
| Date | Aug 8, 2012 |
| Book Page | 12/3395 |
| Name | UNIVERSAL LENDING CORP |
|---|---|
| Type | Lending Institution |
| Address | DENVER, CO 80224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 405 1ST AVE, KEYSTONE, IA 52249-9600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00007/1266 |
|---|---|
| Date | Mar 12, 2007 |
| Book Page | 07/1266 |
| Name | HIAWATHA BANK & TRUST CO |
|---|---|
| Address | HIAWATHA, IA 52233 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 405 1ST AVE, KEYSTONE, IA 52249-9600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Title Company | UNITED GENERAL TITLE INSURANCE, UNITED GENERAL TITLE INS |
| Name | Verified Name |
|---|
| Document Number | 00008/2408 |
|---|---|
| Date | May 19, 2008 |
| Book Page | 08/2408 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35283 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Apr 25, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 405 1ST AVE, KEYSTONE, IA 52249-9600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Title Company | UNITED GENERAL TITLE INSURANCE, UNITED GENERAL TITLE INS |
| Name | Verified Name |
|---|
| Document Number | 00008/2407 |
|---|---|
| Date | May 19, 2008 |
| Book Page | 08/2407 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35283 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Apr 25, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 405 1ST AVE, KEYSTONE, IA 52249-9600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00012/3394 |
|---|---|
| Date | Aug 8, 2012 |
| Book Page | 12/3394 |
| Name | UNIVERSAL LENDING CORP |
|---|---|
| Type | Lending Institution |
| Address | DENVER, CO 80224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2042 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BENTON IA |
| Recording Date | Mar 31, 2026 |
| Property Address | 405 1ST AVE, KEYSTONE, IA 52249-9600 |
| Document Number | 0000261129 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 26-1129 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 1ST AVE, KEYSTONE, IA 52249-9600 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 405 1ST AVE, KEYSTONE, IA 52249-9600 |
| Document Type | Contract Sale |
|---|---|
| Jurisdiction | BENTON IA |
| Recording Date | Oct 16, 2020 |
| Property Address | 405 1ST AVE, KEYSTONE, IA 52249-9600 |
| Document Number | 0000204627 |
| Map Reference | BK 173 PG 74 |
| Instrument Date | Oct 16, 2020 |
| Instrument | 20-4627 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 334, KEYSTONE, IA 52249-0334 |
| Name | Verified Name |
|---|---|
| Address | 405 1ST AVE, KEYSTONE, IA 52249-9600 |
| Document Number | 0000204627 |
|---|---|
| Date | Oct 16, 2020 |
| Instrument | 20-4627 |
| Name | SARJJD LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Benton County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Benton County |
| Municipality | Keystone City |
| Unified School District | Benton Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,934.00 (-3.97%) | $179,500 (-) Land $27,600 Building $151,900 | $179,500 (-) Land $27,600 Building $151,900 |
| 2025 | $2,014.00 Homeowner's exemption | $179,500 (+0.62%) Land $27,600 Building $151,900 | $179,500 (+0.62%) Land $27,600 Building $151,900 |
| 2024 | $2,014.00 (+19.74%) | ||
| 2023 | $178,400 (+32.84%) Land $28,100 Building $150,300 | $178,400 (+32.84%) Land $28,100 Building $150,300 | |
| 2022 | $1,682.00 Homeowner's exemption | $134,300 Land $22,500 Building $111,800 | |
| 2021 | $134,300 Land $22,500 Building $111,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 22, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KEYSTONE WATER SUPPLY serves 599 people · EPA ID IA0640030 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 6 ppb (2022–2024) action level 15 ppb |
| Water Quality | Treatment failure resolved · May 2021 Nitrite resolved · Apr 2021 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Keystone Communications Fiber | 250 / 250 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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