406 3rd St, Ringsted, IA 50578 Property Records

Emmet County property record for 406 3rd St, Ringsted, IA 50578

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,300 sqft · built 1961
Lot Size	0.181 acres (7,875 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Dec 2020)
Tax Bill	$1,336 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1221402001`

Property Details

APN / Parcel Number

Primary APN	`1221402001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Basement Area	1,300 sqft
Unfinished Basement	1,300 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,875 sqft (0.181 acres)
Lot Dimensions	105 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	406 3RD ST
City	RINGSTED
State	IA
Zip	50578-5074
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 OF LARSONS REPLAT OF W1/2 OF BLK 2 SUNNYSIDE ADD
Legal Subdivision	LARSONS REPLAT BLK 2 SUNNYSIDE ADDN
Legal Block	2
Legal Lot Number	10
Jurisdiction	EMMET IA
Township / Civil Division	DENMARK
Census Block Group	1
Census Block	1145
Census Tract	70100

Owner

Source: Emmet 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	Individual Name on Record
Mailing Address	406 3RD ST, RINGSTED, IA 50578-5074
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Line of Credit EMPLOYEES CREDIT UNION
Dec 18, 2020	Warranty Deed, Transfer · Conventional Mortgage EMPLOYEE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Prior Sale	Oct 27, 2011 · Amount on Record
Deed Document Number	20201832
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET IA
Recording Date	Jul 30, 2026
Property Address	406 3RD ST, RINGSTED, IA 50578-5074
Document Number	0000000917
Instrument Date	Jul 22, 2026
Instrument	2026917
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 3RD ST, RINGSTED, IA 50578-5074

Mortgage

Document Number	0000000917,
Date	Jul 30, 2026
Instrument	2026917

Lender

Name	EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET IA
Recording Date	Dec 18, 2020
Property Address	406 3RD ST, RINGSTED, IA 50578-5074
Document Number	0202001832
Instrument Date	Dec 17, 2020
Instrument	2020-01832
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 3RD ST, RINGSTED, IA 50578-5074

Mortgage

Document Number	0202001833
Date	Dec 18, 2020
Instrument	2020-01833

Lender

Name	EMPLOYEE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,336.00 (+21.23%)	$82,100 (-) Land $7,200 Building $74,900	$82,100 (-) Land $7,200 Building $74,900
2025	$1,102.00	$82,100 (+45.05%) Land $7,200 Building $74,900	$82,100 (+45.05%) Land $7,200 Building $74,900
2024	$1,102.00 (-3.84%)
2023		$56,600 (+5.01%) Land $5,800 Building $50,800	$56,600 (+5.01%) Land $5,800 Building $50,800
2022	$1,146.00	$53,900 Land $5,800 Building $48,100
2021			$53,900 Land $5,800 Building $48,100

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 September 23, 2021

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 97% of the US · lower than 76% 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	RINGSTED WATER SUPPLY serves 365 people · EPA ID IA3275087
Water Source	Groundwater
Last State Inspection	May 2025
Lead	3 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	2 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Independent Networks Fiber	1,000 / 1,000

May also be available: GigFire, Nextlink.

Nearby Properties on 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures