Benton County property record for 409 1st Ave, Keystone, IA 52249
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,442 sqft · built 1978 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $245,000 (Mar 2026) |
| Tax Bill | $2,578 (2026) |
| Deeds & Mortgages | Oct 2018 Mortgage Apr 2021 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09004100 |
| Primary APN | 09004100 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 1,442 sqft Living Area |
| Basement Area | 1,442 sqft |
| Finished Basement | 925 sqft |
| Unfinished Basement | 517 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Level |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 39 sqft |
| Deck Area | 320 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 1ST AVE |
|---|---|
| City | KEYSTONE |
| State | IA |
| Zip | 52249-9600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FRANZENBURGS 4TH ADD LOT 5 |
| Legal Subdivision | FRANZENBURGS 4TH |
| Legal Lot Number | 5 |
| Jurisdiction | BENTON IA |
| Township / Civil Division | KANE |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 960600 |
Source: Benton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 409 1ST AVE, KEYSTONE, IA 52249-9600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 31, 2018 | Deed of Trust, Mortgage KEYSTONE SAVINGS BANK |
| Apr 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LINN AREA CU |
| Aug 18, 2016 | Deed of Trust, Mortgage · Commercial Mortgage KEYSTONE SAVINGS BANK |
| Jul 6, 2010 | Deed of Trust, Mortgage · Conventional Mortgage KEYSTONE SAVINGS BANK |
| May 10, 2006 | Deed of Trust, Mortgage BANK OF THE WEST |
| Oct 9, 2012 | Deed of Trust, Mortgage KEYSTONE SAVINGS BANK |
| Mar 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| May 27, 2010 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2026 · Amount on Record |
| Deed Sale | Mar 16, 2026 · Amount on Record |
| Prior Sale | May 27, 2010 · Amount on Record |
| Deed Document Number | 2026903 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 409 1ST AVE, KEYSTONE, IA 52249-9600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000000018/0000002134 |
|---|---|
| Date | Oct 31, 2018 |
| Book Page | 0000000018/0000002134 |
| Instrument | E18-2134 |
| Name | KEYSTONE SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 351 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 409 1ST AVE, KEYSTONE, IA 52249-9600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000211945 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 21-1945 |
| Name | LINN AREA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 16, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 409 1ST AVE, KEYSTONE, IA 52249-9600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00E16/1269 |
|---|---|
| Date | Aug 18, 2016 |
| Book Page | E16/1269 |
| Name | KEYSTONE SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | KEYSTONE, IA 52249 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 1, 2036 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 409 1ST AVE, KEYSTONE, IA 52249-9600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00010/2552 |
|---|---|
| Date | Jul 6, 2010 |
| Book Page | 10/2552 |
| Name | KEYSTONE SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | KEYSTONE, IA 52249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 409 1ST AVE, KEYSTONE, IA 52249-9600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURA |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00006/2392 |
|---|---|
| Date | May 10, 2006 |
| Book Page | 06/2392 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | CEDAR RAPIDS, IA 52403 |
| Amount | Amount Recorded |
|---|---|
| Term | 95 Months |
| Due | Apr 1, 2014 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 409 1ST AVE, KEYSTONE, IA 52249-9600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00012/4325 |
|---|---|
| Date | Oct 9, 2012 |
| Book Page | 12/4325 |
| Name | KEYSTONE SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | KEYSTONE, IA 52249 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Oct 1, 2032 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON IA |
| Recording Date | Mar 16, 2026 |
| Property Address | 409 1ST AVE, KEYSTONE, IA 52249-9600 |
| Document Number | 0000260903 |
| Instrument Date | Mar 7, 2026 |
| Instrument | 26-0903 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | RIVER RIDGE ESCROW COMPANY, RIVER RIDGE ESCROW CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $391.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 409 1ST AVE, KEYSTONE, IA 52249-9600 |
| Document Number | 0000260904 |
|---|---|
| Date | Mar 16, 2026 |
| Instrument | 26-0904 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON IA |
| Recording Date | May 27, 2010 |
| Property Address | 409 1ST AVE, KEYSTONE, IA 52249-9600 |
| Document Number | 00010/2025 |
| Book / Page | 10 / 2025 |
| Instrument Date | May 17, 2010 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $252.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 274, KEYSTONE, IA 52249-0274 |
Source: Benton County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Benton County |
| Municipality | Keystone City |
| Unified School District | Benton Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,578.00 (-3.16%) | $235,700 (-) Land $30,700 Building $205,000 | $235,700 (-) Land $30,700 Building $205,000 |
| 2025 | $2,662.00 Homeowner's exemption | $235,700 (+1.42%) Land $30,700 Building $205,000 | $235,700 (+1.42%) Land $30,700 Building $205,000 |
| 2024 | $2,662.00 (+19.27%) | ||
| 2023 | $232,400 (+32.57%) Land $31,200 Building $201,200 | $232,400 (+32.57%) Land $31,200 Building $201,200 | |
| 2022 | $2,232.00 Homeowner's exemption | $175,300 Land $25,000 Building $150,300 | |
| 2021 | $175,300 Land $25,000 Building $150,300 |
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 September 22, 2023
| 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 99.1% of the US · lower than 91% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | KEYSTONE WATER SUPPLY serves 599 people · EPA ID IA0640030 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 6 ppb (2022–2024) action level 15 ppb |
| Water Quality | Treatment failure resolved · May 2021 Nitrite resolved · Apr 2021 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Keystone Communications Fiber | 250 / 250 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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