409 4th St, Lester, IA 51242 Property Records

Lyon County property record for 409 4th St, Lester, IA 51242

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,176 sqft · built 1958
Lot Size	0.354 acres (15,400 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (May 2026)
Tax Bill	$1,764 (2025)
Deeds & Mortgages	May 2026 Sale & Line of Credit Sep 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`370000011400000`

Property Details

APN / Parcel Number

Primary APN	`370000011400000`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Finished Basement	856 sqft
Unfinished Basement	1,176 sqft
Game Room	Game Room
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,400 sqft (0.354 acres)
Lot Dimensions	140 ft deep x 110 ft wide
Garage Type	Mixed
Garage Area	336 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 4TH ST
City	LESTER
State	IA
Zip	51242-7727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	HARMS SUBDIV LOT 12 & LOT 11 EXC W 10' OF LOT 11 BLK 1
Legal Subdivision	HARMS SUBDIVISION
Legal Block	1
Legal Lot Number	11,12
Jurisdiction	LYON IA
Township / Civil Division	LARCHWOOD
Census Block Group	1
Census Block	1059
Census Tract	950300

Owner

409 4th St is owned by two individuals who bought it in May 2026.

Source: Lyon County records, as of June 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2096 ELMWOOD AVE, ALVORD, IA 51230-7534
Owner Type	Individual
Vesting	Joint Tenants

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
May 11, 2026	Warranty Deed, Transfer · Line of Credit AMERICAN STATE BANK
Sep 11, 2023	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN STATE BANK
Jul 21, 2022	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2026 · Amount on File
Deed Sale	May 11, 2026 · Amount on File
Prior Sale	Jul 21, 2022 · Amount on File
Deed Document Number	20261271
Deed Book / Page	2026 / 1271
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	May 11, 2026
Property Address	409 4TH ST, LESTER, IA 51242-7727
Document Number	0000001271
Book / Page	2026 / 1271
Instrument Date	May 11, 2026
Instrument	20261271
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,775.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2096 ELMWOOD AVE, ALVORD, IA 51230-7534

Mortgage

Document Number	0000001294,
Date	May 11, 2026
Instrument	20261294

Lender

Name	AMERICAN STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.38%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	409 4TH ST, LESTER, IA 51242
Transaction Type	Mortgage
Record Updated	Nov 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1857
Date	Sep 11, 2023
Book Page	2023/1857
Instrument	2023 1857

Lender

Name	PEOPLES BANK
Type	Bank
Address	SIOUX CENTER, IA 51250

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 11, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	409 4TH ST, LESTER, IA 51242
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2244
Date	Aug 10, 2020
Book Page	2020/2244
Instrument	2020 2244

Lender

Name	AMERICAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Jul 21, 2022
Property Address	409 4TH ST, LESTER, IA 51242
Document Number	02022/1935
Book / Page	2022 / 1935
Instrument Date	Jul 21, 2022
Instrument	2022 1935
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 4TH ST, LESTER, IA 51242

Mortgage

Document Number	02022/1961
Date	Jul 25, 2022
Book Page	2022/1961
Instrument	2022 1961

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2037

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 409 4th St was $1,764.

Source: Lyon County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Lyon County
Municipality	Lester City
Unified School District	West Lyon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,764.00	$165,140 Land $16,170 Building $148,970	$165,140 Land $16,170 Building $148,970
2024	$1,764.00
2023		$137,820 (+17.6%) Land $16,170 Building $121,650	$137,820 Land $16,170 Building $121,650
2022	$1,420.00	$117,190 Land $16,170 Building $101,020
2021			$117,190 Land $16,170 Building $101,020

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

Flood

FEMA maps place 409 4th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 23, 2021

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 409 4th 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	LESTER WATER SUPPLY serves 296 people · EPA ID IA6055077
Water Source	Purchased groundwater from LYON-SIOUX RWS-BIG SIOUX
Last State Inspection	Feb 2024
Lead	2 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	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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Alliance Communications Cooperative Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures