421 Chestnut St, Atlantic, IA 50022 Property Records

Cass County property record for 421 Chestnut St, Atlantic, IA 50022

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4,443 sqft · built 1880
Lot Size	0.075 acres (3,276 sqft)
Owner	Company on Record
Last Sale	$125,000 (Mar 2025)
Tax Bill	$1,588 (2025)
Deeds & Mortgages	Mar 2025 Sale Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`303005799001000`

Property Details

APN / Parcel Number

Primary APN	`303005799001000`

Interior

Stories	2 Stories
Building Area	4,443 sqft Gross Area
1st Floor Area	1,560 sqft
Basement Area	1,560 sqft
Unfinished Basement	1,560 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Brick
Roof Material	Urethane Foam
Lot Area	3,276 sqft (0.075 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 CHESTNUT ST
City	ATLANTIC
State	IA
Zip	50022-1247
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	N23'4" LOT 11 BLK 28 N23'4"LOT 11 BLK 28
Legal Subdivision	ORIGINAL TOWN - ATLANTIC
Legal Block	28
Legal Lot Number	11
Jurisdiction	CASS IA
Township / Civil Division	GROVE
Census Block Group	2
Census Block	2116
Census Tract	190500

Owner

Source: Cass County assessment roll, as of February 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company on Record
Mailing Address	68495 MEMPHIS RD, WIOTA, IA 50274-8728
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2025	Warranty Deed, Transfer
Jul 20, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST WHITNEY BANK & TRUST
Apr 14, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST WHITNEY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2025 · Amount on Record
Deed Sale	Mar 6, 2025 · Amount on Record
Deed Book / Page	2025 / 400
Last Transfer Date	Mar 26, 2025
Transfer Doc	2025000540
Record Updated	Sep 20, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS IA
Recording Date	Mar 6, 2025
Property Address	421 CHESTNUT ST, ATLANTIC, IA 50022-1247
Document Number	002025/400
Book / Page	2025 / 400
Instrument Date	Mar 5, 2025
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
Tax	$199.20
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	68495 MEMPHIS RD, WIOTA, IA 50274-8728

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	421 CHESTNUT ST, ATLANTIC, IA 50022-1247
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1166
Date	Jul 20, 2022
Book Page	2022/1166
Instrument	2022-1166

Lender

Name	FIRST WHITNEY BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	421 CHESTNUT ST, ATLANTIC, IA 50022-1247
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/0650
Date	Apr 14, 2017
Book Page	2017/0650

Lender

Name	FIRST WHITNEY BANK & TRUST
Type	Bank
Address	ATLANTIC, IA 50022

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cass County assessment roll, as of February 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,588.00	$109,570 (+24.12%) Land $4,680 Building $104,890	$109,570 (+24.12%) Land $4,680 Building $104,890
2024	$1,588.00 (-8.1%)
2023		$88,280 Land $4,670 Building $83,610	$88,280 Land $4,670 Building $83,610
2022	$1,728.00

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 16, 2017 · 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	5 in force
Nearby Flood Claims	6 (1993–2015)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jun 2015 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes And Flooding, Jun 1998 · 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 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	ATLANTIC MUNICIPAL UTILITIES serves 7,252 people · EPA ID IA1509074
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) 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 505 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon, Western Iowa Wireless.

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