405 E 4th St, Villisca, IA 50864 Property Records

Montgomery County property record for 405 E 4th St, Villisca, IA 50864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,593 sqft · built 1900
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (May 2023)
Tax Bill	$1,230 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`641227205003000`

Property Details

APN / Parcel Number

Primary APN	`641227205003000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,593 sqft Living Area
1st Floor Area	784 sqft
Basement Area	392 sqft
Unfinished Basement	392 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 E 4TH ST
City	VILLISCA
State	IA
Zip	50864-1147
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG LT 292
Legal Subdivision	VILLISCA
Legal Lot Number	292
Jurisdiction	MONTGOMERY IA
Township / Civil Division	EAST
Census Block Group	3
Census Block	3134
Census Tract	960400

Owner

Source: Montgomery 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	405 E 4TH ST, VILLISCA, IA 50864-1147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage HOUGHTON STATE BANK
Jul 10, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2023 · Amount on Record
Deed Sale	May 19, 2023 · Amount on Record
Prior Sale	Feb 20, 2008 · Amount on Record
Deed Document Number	2023687
Deed Book / Page	2023 / 687
Prior Transfer Date	Jan 22, 2008
Prior Transfer Doc	0311/0347
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	405 E 4TH ST, VILLISCA, IA 50864-1147
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/1547
Date	Oct 24, 2025
Book Page	2025/1547
Instrument	2025 1547

Lender

Name	HOUGHTON STATE BANK
Type	Bank
Address	RED OAK, IA 51566

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	1-Year CMT
Max Rate	13.7%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	405 E 4TH ST, VILLISCA, IA 50864-1147
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1073
Date	Jul 10, 2017
Book Page	2017/1073
Instrument	2017 1073

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	405 E 4TH ST, VILLISCA, IA 50864-1147
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1112
Date	Jul 14, 2017
Book Page	2017/1112
Instrument	2017 1112

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jun 17, 2027

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of October 2, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,230.00 (+19.88%) Homeowner's exemption	$70,010 (+25%) Land $7,500 Building $62,510	$70,010 (+25%) Land $7,500 Building $62,510
2024	$1,026.00 (+24.21%)
2023		$56,010 Land $4,500 Building $51,510	$56,010 Land $4,500 Building $51,510
2022	$826.00

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 May 1, 2016

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	VILLISCA MUNICIPAL WATER DEPT serves 1,132 people · EPA ID IA6985051
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) 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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FMTC of Stanton Iowa Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

4G LTE only, no 5G reported

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