412 2nd St, Collins, IA 50055 Property Records

Story County property record for 412 2nd St, Collins, IA 50055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,328 sqft · built 1920
Lot Size	0.207 acres (9,024 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,236 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Jul 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-21-185-010`

Property Details

APN / Parcel Number

Primary APN	`16-21-185-010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,328 sqft Living Area
1st Floor Area	384 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1935
Architectural Style	A-Frame
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,024 sqft (0.207 acres)
Lot Dimensions	141 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	144 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	412 2ND ST
City	COLLINS
State	IA
Zip	50055-7738
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARMSTRONGS ADD COMM 33' E NW COR LOT 4 BLK 1 E64' S141' W64' N141' TO BEG
Legal Range	21W
Legal Township	82N
Legal Section	21
Legal Subdivision	ARMSTRONGS ADD
Legal Block	1
Legal Lot Number	4
Jurisdiction	STORY IA
Township / Civil Division	COLLINS
Census Block Group	2
Census Block	2123
Census Tract	10200

Owner

412 2nd St is owned and occupied by two individuals.

Source: Story County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	412 2ND ST, COLLINS, IA 50055-7738
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
Sep 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP
Jul 18, 2025	Deed of Trust, Mortgage · Line of Credit DUPACO CREDIT UNION
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage PREMIER LENDING ALLIANCE

Assessor's Deed Record

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

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	412 2ND ST, COLLINS, IA 50055-7738
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 2ND ST, COLLINS, IA 50055-7738

Mortgage

Document Number	0202306846
Date	Sep 27, 2023
Instrument	2023-06846

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	412 2ND ST, COLLINS, IA 50055-7738
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 2ND ST, COLLINS, IA 50055-7738

Mortgage

Document Number	0202505522
Date	Jul 18, 2025
Instrument	2025-05522

Lender

Name	DUPACO CREDIT UNION
Type	Credit Union
Address	DUBUQUE, IA 52001

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 17, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Recording Date	Apr 17, 2026
Property Address	412 2ND ST, COLLINS, IA 50055-7738
Document Number	0000003225
Instrument Date	Apr 16, 2026
Instrument	20263225
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003225,
Date	Apr 17, 2026
Instrument	20263225

Lender

Name	PREMIER LENDING ALLIANCE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 412 2nd St was $1,236 with a homeowner's exemption, down 1.9% from the year before.

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	$1,236.00 (-1.9%) Homeowner's exemption	$85,500 Land $12,800 Building $72,700	$85,500 Land $12,800 Building $72,700
2024	$1,260.00
2023		$81,400 Land $11,200 Building $70,200	$81,400 Land $11,200 Building $70,200
2022	$1,194.00

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

Flood

FEMA maps place 412 2nd St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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
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

Wildfire risk around 412 2nd 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 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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