409 Main St, Collins, IA 50055 Property Records

Story County property record for 409 Main St, Collins, IA 50055

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,135 sqft · built 1918
Lot Size	0.244 acres (10,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$182,000 (May 2020)
Tax Bill	$3,574 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-21-111-309`

Property Details

APN / Parcel Number

Primary APN	`16-21-111-309`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,135 sqft Living Area
1st Floor Area	1,844 sqft
Basement Area	922 sqft
Unfinished Basement	922 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	395 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 MAIN ST
City	COLLINS
State	IA
Zip	50055-1011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JONES ADD LOT 3 & N1/2 LOT 4 BLK 6
Legal Range	21W
Legal Township	82N
Legal Section	21
Legal Subdivision	JONES ADD
Legal Block	6
Legal Lot Number	3,4
Jurisdiction	STORY IA
Township / Civil Division	COLLINS
Census Block Group	2
Census Block	2121
Census Tract	10200

Owner

Source: Story County records, as of September 1, 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 MAIN ST, COLLINS, IA 50055-1011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREATER IOWA CU
May 26, 2020	Deed of Trust, Mortgage · FHA Mortgage NORTHWEST BANK
Mar 7, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LUANA SAVINGS BANK
Sep 20, 2018	Warranty Deed, Transfer VISION BANK OF IOWA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2020 · Amount on Record
Deed Sale	May 26, 2020 · Amount on Record
Prior Sale	Sep 20, 2018 · Amount on Record
Deed Document Number	20205386
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	409 MAIN ST, COLLINS, IA 50055-1011
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 MAIN ST, COLLINS, IA 50055-1011

Mortgage

Document Number	0202306556
Date	Sep 15, 2023
Instrument	2023-06556

Lender

Name	GREATER IOWA CU
Type	Credit Union
Address	AMES, IA 50010

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 20, 2033

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	409 MAIN ST, COLLINS, IA 50055-1011
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202005387
Date	May 26, 2020
Instrument	2020-05387

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	409 MAIN ST, COLLINS, IA 50055-1011
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201901592
Date	Mar 7, 2019
Instrument	2019-01592

Lender

Name	LUANA SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Sep 20, 2018
Property Address	409 MAIN ST, COLLINS, IA 50055-1011
Document Number	0201808775
Instrument Date	Sep 18, 2018
Instrument	2018-08775
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 MAIN ST, COLLINS, IA 50055-1011

Mortgage

Document Number	0201808776
Date	Sep 20, 2018
Instrument	2018-08776

Lender

Name	VISION BANK OF IOWA

Agreement

Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Collins City
County	Story County
Unified School District	Collins-Maxwell Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,574.00 (-10.61%) Homeowner's exemption	$226,500 (-4.03%) Land $15,000 Building $211,500	$226,500 (-4.03%) Land $15,000 Building $211,500
2024	$3,998.00 (+6.96%)
2023		$236,000 (+27.98%) Land $13,100 Building $222,900	$236,000 (+27.98%) Land $13,100 Building $222,900
2022	$3,738.00 (-1.94%) Homeowner's exemption	$184,400 Land $11,300 Building $173,100
2021	$3,812.00		$184,400 Land $11,300 Building $173,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2010–2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2013 · Severe Storms, Tornadoes, And Flooding

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COLLINS WATER SUPPLY serves 505 people · EPA ID IA8515060
Water Source	Purchased groundwater from IA REGIONAL UTILITIES ASSOC (WAVERLY)
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023–2025) 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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Colo Telephone Company Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile.

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