412 E Ramsey St, Bancroft, IA 50517 Property Records

Kossuth County property record for 412 E Ramsey St, Bancroft, IA 50517

Property Summary

Property Type	Fast Food Restaurant
Details	792 sqft · built 1970
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Apr 2023)
Tax Bill	$782 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-24-261-007`

Property Details

APN / Parcel Number

Primary APN	`10-24-261-007`

Interior

Stories	1 Story
Building Area	792 sqft Gross Area
1st Floor Area	792 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Street Address	412 E RAMSEY ST
City	BANCROFT
State	IA
Zip	50517-5009
Property Category	Commercial
Property Type	Commercial > Retail > Fast Food Restaurant
Legal Description	W 208.7' OF E 404' OF S 208.7' BLK 11
Legal Subdivision	COS FIRST ADD
Legal Block	11
Jurisdiction	KOSSUTH IA
Township / Civil Division	GREENWOOD
Census Block Group	2
Census Block	2028
Census Tract	950300

Owner

Source: Kossuth County records, as of September 9, 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	416 E RAMSEY ST, BANCROFT, IA 50517-5009
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage · Line of Credit WEST IOWA BANK
Apr 19, 2023	Warranty Deed, Transfer · Conventional Mortgage WEST IOWA BANK
Jan 19, 2021	Deed of Trust, Mortgage · Commercial Mortgage FARMERS & TRADERS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2023 · Amount on Record
Deed Sale	Apr 19, 2023 · Amount on Record
Deed Document Number	2023981
Deed Book / Page	2023 / 981
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	412 E RAMSEY ST, BANCROFT, IA 50517-5009
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2231
Date	Sep 1, 2023
Book Page	2023/2231
Instrument	2023 2231

Lender

Name	WEST IOWA BANK
Type	Bank
Address	WEST BEND, IA 50597

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	235 Months
Due	Apr 18, 2043

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Apr 19, 2023
Property Address	412 E RAMSEY ST, BANCROFT, IA 50517-5009
Document Number	002023/981
Book / Page	2023 / 981
Instrument Date	Apr 18, 2023
Instrument	2023 0981
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$31.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 83, BANCROFT, IA 50517-0083
Investor	Possibly a Property Investor

Mortgage

Document Number	0020230973
Date	Apr 19, 2023
Instrument	2023 0973

Lender

Name	WEST IOWA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 18, 2043

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	412 E RAMSEY ST, BANCROFT, IA 50517-5009
Transaction Type	Mortgage
Record Updated	Feb 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/177
Date	Jan 19, 2021
Book Page	2021/177
Instrument	2021 0177

Lender

Name	FARMERS & TRADERS SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Kossuth County assessment roll, as of October 9, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Bancroft City
County	Kossuth County
Unified School District	North Kossuth Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$782.00 (+1.82%)	$51,747 (+10.54%) Land $6,250 Building $45,497
2024	$768.00 (+25.49%)
2023		$46,813 Land $6,250 Building $40,563	$46,813 (-9.53%) Land $6,250 Building $40,563
2021	$612.00		$51,747 Land $6,250 Building $45,497

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 March 19, 2018

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% 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.

Drinking Water

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

Water System	BANCROFT WATER SUPPLY serves 711 people · EPA ID IA5507085
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2021–2023) 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Winnebago Cooperative Telecom Association Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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