409 Monroe St, Floyd, IA 50435 Property Records

Floyd County property record for 409 Monroe St, Floyd, IA 50435

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,296 sqft · built 1930
Lot Size	0.606 acres (26,400 sqft)
Owner	2 Individual Names on Record
Tax Bill	$408 (2026)
Deeds & Mortgages	Mar 2024 Construction Loan Jun 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072120500500`

Property Details

APN / Parcel Number

Primary APN	`072120500500`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,296 sqft Living Area
1st Floor Area	416 sqft
Basement Area	688 sqft
Unfinished Basement	688 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Other
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,400 sqft (0.606 acres)
Lot Dimensions	132 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	70 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	409 MONROE ST
City	FLOYD
State	IA
Zip	50435-5008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2 NE NE EX N 66'& S 113'21-96-16
Legal Range	16W
Legal Township	96N
Legal Section	21
Legal Subdivision	MONTGOMERY S ADD
Legal Lot Number	2
Jurisdiction	FLOYD IA
Township / Civil Division	FLOYD
Census Block Group	1
Census Block	1063
Census Tract	480100

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	409 MONROE ST, FLOYD, IA 50435-5008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK
Jun 3, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CITIZENS COMMUNITY BANK
Feb 14, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLOYD IA
Property Address	409 MONROE ST, FLOYD, IA 50435-5008
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002024/347
Date	Mar 4, 2024
Book Page	2024/347
Instrument	2024 0347

Lender

Name	FIRST CITIZENS BANK
Type	Bank
Address	CHARLES CITY, IA 50616

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLOYD IA
Property Address	409 MONROE ST, FLOYD, IA 50435-5008
Transaction Type	Mortgage
Record Updated	Jun 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1050
Date	Jun 3, 2019
Book Page	2019/1050
Instrument	1050

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLOYD IA
Property Address	409 MONROE ST, FLOYD, IA 50435-5008
Transaction Type	Mortgage
Record Updated	Mar 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/317
Date	Feb 14, 2019
Book Page	2019/317
Instrument	317

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Floyd County assessment roll, as of January 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$408.00 Homeowner's exemption	$40,250 (-) Land $13,000 Building $27,250	$40,250 (-) Land $13,000 Building $27,250
2025	$408.00 (-26.88%) Homeowner's exemption	$40,250 (-18.27%) Land $13,000 Building $27,250	$40,250 (-18.27%) Land $13,000 Building $27,250
2023		$49,250 (+18.16%) Land $13,000 Building $36,250	$49,250 (+18.16%) Land $13,000 Building $36,250
2022	$558.00	$41,680 Land $13,000 Building $28,680
2021			$41,680 Land $13,000 Building $28,680

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 June 18, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	5 (2004–2008)
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 4 claims

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	FLOYD MUNI WATER SUPPLY serves 313 people · EPA ID IA3414044
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	10 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Di(2-ethylhexyl) phthalate resolved · Oct 2019
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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
OmniTel-Interstate Cablevision Fiber	8,000 / 8,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

Nearby Properties on Monroe St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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