406 E 4th St, Sanborn, IA 51248 Property Records

O'Brien County property record for 406 E 4th St, Sanborn, IA 51248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1976
Lot Size	0.361 acres (15,743 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (May 2020)
Tax Bill	$1,970 (2025)
Deeds & Mortgages	Apr 2024 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0029114000`

Property Details

APN / Parcel Number

Primary APN	`0029114000`
Alternative APN	`0000291140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,743 sqft (0.361 acres)
Lot Dimensions	83 ft deep x 8 ft wide
Garage Type	Attached
Garage Area	624 sqft

Exterior Amenities

Deck Area	98 sqft
Patio Area	112 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	406 E 4TH ST
City	SANBORN
State	IA
Zip	51248-7732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	35-97-41 AUD SUBD N 1/2 COMM NW COR LOT 1, S 728.8,E 150 TO PT OF BEG, E 182.5, S 86.4, W 174.5, N 3 W 8, N 83.4 TO P
Legal Range	41W
Legal Township	97N
Legal Section	35
Legal Subdivision	AUD SUBD
Legal Lot Number	1
Jurisdiction	O'BRIEN IA
Township / Civil Division	FRANKLIN
Census Block Group	4
Census Block	4030
Census Tract	490200

Owner

Source: O'Brien County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	406 E 4TH ST, SANBORN, IA 51248-7732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage PENNYMAC LOAN SERVICES LLC
May 5, 2020	Warranty Deed, Transfer · FHA Mortgage NEIGHBORS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2020 · Amount on Record
Deed Sale	May 5, 2020 · Amount on Record
Deed Document Number	20201048
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	O'BRIEN IA
Property Address	406 E 4TH ST, SANBORN, IA 51248-7732
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E 4TH ST, SANBORN, IA 51248-7732

Mortgage

Document Number	0020240845
Date	Apr 30, 2024
Instrument	2024-0845

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	6101 CONDOR DR # 200, MOORPARK, CA 93021

Agreement

Amount	Amount Recorded
Term	314 Months
Due	Jun 1, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	O'BRIEN IA
Recording Date	May 5, 2020
Property Address	406 E 4TH ST, SANBORN, IA 51248-7732
Document Number	202001048
Instrument Date	Apr 23, 2020
Instrument	2020-01048
Transaction Type	Transfer
Record Updated	Oct 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$191.20
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 E 4TH ST, SANBORN, IA 51248-7732

Mortgage

Document Number	202001049
Date	May 5, 2020
Instrument	2020-01049

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: O'Brien County assessment roll, as of December 19, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	O'Brien County
Municipality	Sanborn City
Unified School District	Hartley-Melvin-Sanborn Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,970.00 (+5.01%) Homeowner's exemption	$158,400 (+11.83%) Land $22,060 Building $136,340	$158,400 (+11.83%) Land $22,060 Building $136,340
2024	$1,876.00 (-0.42%)
2023		$141,640 (+16.92%) Land $22,060 Building $119,580	$141,640 (+16.92%) Land $22,060 Building $119,580
2022	$1,884.00 Homeowner's exemption	$121,140 Land $20,330 Building $100,810
2021			$121,140 Land $20,330 Building $100,810

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 December 16, 2020

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 98% of the US · lower than 82% 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	SANBORN WATER SUPPLY serves 1,392 people · EPA ID IA7165025
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Fiber	1,000 / 1,000
The Community Agency Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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