Johnson County property record for 406 E Elm St, Lone Tree, IA 52755
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,248 sqft · built 1900 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $77,500 (Aug 2019) |
| Tax Bill | $1,366 (2025) |
| Deeds & Mortgages | Aug 2019 Second Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1710331007 |
| Primary APN | 1710331007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 448 sqft |
| Basement Area | 800 sqft |
| Unfinished Basement | 800 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 96 sqft |
| Deck Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 406 E ELM ST |
|---|---|
| City | LONE TREE |
| State | IA |
| Zip | 52755-9703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KIRKPATRICKS ADDITION LOT 9 BLK 3 |
| Legal Range | 05W |
| Legal Township | 77N |
| Legal Section | 10 |
| Legal Subdivision | LONE TREE |
| Legal Block | 3 |
| Legal Lot Number | 9 |
| Jurisdiction | JOHNSON IA |
| Township / Civil Division | FREMONT |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 10502 |
Source: Johnson County records, as of May 27, 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 ELM ST, LONE TREE, IA 52755-9703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 20, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HILLS BANK AND TRUST CO |
| Aug 20, 2019 | Warranty Deed, Transfer · ARM HILLS BANK AND TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2019 · Amount on Record |
| Deed Sale | Aug 20, 2019 · Amount on Record |
| Prior Sale | Nov 10, 2014 · Amount on Record |
| Deed Book / Page | 5947 / 142 |
| Prior Transfer Date | Oct 18, 2012 |
| Prior Transfer Doc | 4995000870 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JOHNSON IA |
| Property Address | 406 E ELM ST, LONE TREE, IA 52755-9703 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 05947/0158 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | 5947/0158 |
| Name | HILLS BANK AND TRUST CO |
|---|---|
| Type | Bank |
| Address | HILLS, IA 52235 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JOHNSON IA |
| Recording Date | Aug 20, 2019 |
| Property Address | 406 E ELM ST, LONE TREE, IA 52755-9703 |
| Document Number | 05947/0142 |
| Book / Page | 5947 / 0142 |
| Map Reference | MB 1 PG 84 |
| Instrument Date | Aug 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $123.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 406 E ELM ST, LONE TREE, IA 52755-9703 |
| Document Number | 0005947145 |
|---|---|
| Date | Aug 20, 2019 |
| Instrument | 5947/145 |
| Name | HILLS BANK AND TRUST CO |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 6.37% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 10.3% |
Source: Johnson County assessment roll, as of October 16, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Johnson County |
| Municipality | Lone Tree City |
| Unified School District | Lone Tree Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,366.00 Homeowner's exemption | $98,900 (-9.35%) Land $23,300 Building $75,600 | $98,900 (-9.35%) Land $23,300 Building $75,600 |
| 2024 | $1,366.00 (+13.08%) | ||
| 2023 | $109,100 Land $23,300 Building $85,800 | $109,100 Land $23,300 Building $85,800 | |
| 2022 | $1,208.00 |
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 December 25, 2025
| 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LONE TREE MUNI WATER SYSTEM serves 1,357 people · EPA ID IA5240095 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 2 ppb (2024) action level 15 ppb |
| Copper | 1.9 mg/L (2019–2021) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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