407 W Oak St, Eldridge, IA 52748 Property Records

Scott County property record for 407 W Oak St, Eldridge, IA 52748

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,068 sqft · built 1974
Lot Size	0.173 acres (7,536 sqft)
Owner	Individual Name on File
Last Sale	$281,000 (May 2026)
Tax Bill	$2,690 (2026)
Deeds & Mortgages	Feb 2012 Mortgage Nov 2016 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`931432402`

Property Details

APN / Parcel Number

Primary APN	`931432402`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,068 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Finished Basement	800 sqft
Unfinished Basement	188 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,536 sqft (0.173 acres)
Lot Dimensions	118 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	407 W OAK ST
City	ELDRIDGE
State	IA
Zip	52748-1636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELDRIDGE ACRES 6TH ADD LOT: 002 ELDRIDGE ACRES 6THADD
Legal Subdivision	ELDRIDGE ACRES 6TH ADD
Legal Lot Number	2
Jurisdiction	SCOTT IA
Township / Civil Division	SHERIDAN
Census Block Group	2
Census Block	2041
Census Tract	10201

Owner

407 W Oak St is owned and occupied by an individual who bought it in May 2026.

Source: Scott County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	407 W OAK ST, ELDRIDGE, IA 52748-1636
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2012	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 29, 2016	Deed of Trust, Mortgage · Conventional Mortgage IH MISSISSIPPI VALLEY CU
Aug 12, 2005	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 5, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Mar 18, 2019	Quit Claim Deed, Transfer · ARM IH MISSISSIPPI VALLEY CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2026 · Amount on File
Deed Sale	May 5, 2026 · Amount on File
Deed Document Number	20269539
Prior Transfer Date	Feb 19, 2019
Prior Transfer Doc	0000005701
Record Updated	Oct 29, 2026

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT IA
Property Address	407 W OAK ST, ELDRIDGE, IA 52748-1636
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	LSI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201200003455
Date	Feb 7, 2012
Instrument	2012-00003455

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2027

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT IA
Property Address	407 W OAK ST, ELDRIDGE, IA 52748-1636
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600033470
Date	Nov 29, 2016
Instrument	2016-00033470

Lender

Name	IH MISSISSIPPI VALLEY CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2031

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT IA
Property Address	407 W OAK ST, ELDRIDGE, IA 52748-1636
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	LSI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200500026358
Date	Aug 12, 2005
Instrument	2005-00026358

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2020

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTT IA
Recording Date	May 5, 2026
Property Address	407 W OAK ST, ELDRIDGE, IA 52748-1636
Document Number	0000009539
Instrument Date	Apr 30, 2026
Instrument	2026.9539
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$45,328.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 W OAK ST, ELDRIDGE, IA 52748-1636

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCOTT IA
Recording Date	Mar 18, 2019
Property Address	407 W OAK ST, ELDRIDGE, IA 52748-1636
Document Number	201900005701
Instrument Date	Feb 19, 2019
Instrument	201900005701
Transaction Type	Transfer
Record Updated	May 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 W OAK ST, ELDRIDGE, IA 52748-1636

Mortgage

Document Number	201900005702
Date	Mar 18, 2019
Instrument	201900005702

Lender

Name	IH MISSISSIPPI VALLEY CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Type Change Date	Apr 5, 2029
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 407 W Oak St was $2,690 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Iowa
County	Scott County
Municipality	Eldridge City
Unified School District	North Scott Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,690.00	$254,600 (+7.43%) Land $52,900 Building $201,700	$254,600 (+7.43%) Land $52,900 Building $201,700
2025	$2,690.00 (+3.46%) Homeowner's exemption	$237,000 Land $52,900 Building $184,100	$237,000 Land $52,900 Building $184,100
2024	$2,600.00
2023		$213,100 Land $34,000 Building $179,100	$213,100 Land $34,000 Building $179,100
2022	$2,622.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 407 W Oak St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 18, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (2010–2013)
Claims Outside the SFHA	4 of 4
Most Recent Claim	May 2013 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 407 W Oak St is low, with less than a 0.01% annual chance of 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	ELDRIDGE WATER SUPPLY serves 6,726 people · EPA ID IA8230008
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	1 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	1 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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CentraCom Fiber	8,000 / 8,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

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