408 S Cherry St, Creston, IA 50801 Property Records

Union County property record for 408 S Cherry St, Creston, IA 50801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,168 sqft · built 1878
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Last Sale	$38,500 (Apr 2006)
Tax Bill	$534 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jul 2012 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0512279012`

Property Details

APN / Parcel Number

Primary APN	`0512279012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,168 sqft Living Area
1st Floor Area	320 sqft
Basement Area	576 sqft
Unfinished Basement	448 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1878
Effective Year Built	Effective 1878
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide

Exterior Amenities

Porch	Porch
Porch Area	128 sqft
Patio Area	136 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	408 S CHERRY ST
City	CRESTON
State	IA
Zip	50801-3219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OP LOT 799
Legal Subdivision	ORIGINAL TOWN OF CRESTON
Legal Lot Number	799
Jurisdiction	UNION IA
Township / Civil Division	CRESTON
Census Block Group	4
Census Block	4041
Census Tract	190200

Owner

408 S Cherry St is owned and occupied by two individuals who acquired it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	408 S CHERRY ST, CRESTON, IA 50801-3219
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
Oct 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK CRESTON
Jul 2, 2012	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 4, 2008	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 4, 2006	Legal Action/Court Order, Foreclosure · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2006 · Amount on File
Deed Sale	Apr 4, 2006 · Amount on File
Deed Document Number	2006816
Deed Book / Page	849 / 107
Last Transfer Date	Oct 21, 2022
Transfer Doc	0000002038
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	408 S CHERRY ST, CRESTON, IA 50801-3219
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00001294/6
Date	Oct 20, 2022
Book Page	1294/6
Instrument	2022-00002019

Lender

Name	FIRST NATIONAL BANK CRESTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 15, 2032

Interest

Rate Type	Adjustable Rate

July 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	408 S CHERRY ST, CRESTON, IA 50801-3219
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001028/189
Date	Jul 2, 2012
Book Page	1028/189
Instrument	2012-00001347

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2042

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	408 S CHERRY ST, CRESTON, IA 50801-3219
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000922/310
Date	Apr 4, 2008
Book Page	0922/310
Instrument	00000731

Lender

Name	WELLS FARGO BANK NA
Address	NEWARK, NJ 07101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2038

April 2006: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	UNION IA
Recording Date	Apr 4, 2006
Property Address	408 S CHERRY ST, CRESTON, IA 50801-3219
Document Number	000849/107
Book / Page	849 / 107
Instrument Date	Aug 5, 2005
Instrument	00000816
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.80
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 S CHERRY ST, CRESTON, IA 50801-3219

Mortgage

Document Number	0000000818
Date	Apr 4, 2006
Instrument	00000818

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	8.12%
Type Change Date	Apr 1, 2008
Change Frequency	6 Months
Min Rate At Change	5.12%
Max Rate At Change	11.1%
Index	6-Month LIBOR
Margin	5
Max Rate	14.1%

Tax Assessment & Valuation

The 2025 property tax bill for 408 S Cherry St was $534 with exemptions applied, down 24.8% from the year before.

Source: Union County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,940 (-) Land $9,000 Building $54,940	$63,940 (-) Land $9,000 Building $54,940
2025	$534.00 (-24.79%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$63,940 Land $9,000 Building $54,940	$63,940 Land $9,000 Building $54,940
2024	$710.00
2023		$58,930 Land $9,630 Building $49,300	$58,930 Land $9,630 Building $49,300
2022	$1,438.00

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

Flood

FEMA maps place 408 S Cherry St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 31, 2022

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

Wildfire risk around 408 S Cherry 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 99.1% of the US · lower than 91% 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	CRESTON WATER SUPPLY serves 7,536 people · EPA ID IA8816089
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	7 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Treatment Techniques Jun 2018
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 255 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 · Fiber in parts of the area	200 / 20
Lockridge Networks Fixed Wireless	100 / 20

May also be available: Nextlink, OmniTel-Interstate Cablevision.

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