425 2nd St, Collins, IA 50055 Property Records

Story County property record for 425 2nd St, Collins, IA 50055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,274 sqft · built 1937
Lot Size	0.504 acres (21,939 sqft)
Owner	2 Individual Names on File
Last Sale	$131,500 (Aug 2026)
Tax Bill	$1,834 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`16-21-175-110`

Property Details

APN / Parcel Number

Primary APN	`16-21-175-110`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,274 sqft Living Area
1st Floor Area	988 sqft
Attic	Attic
Attic Area	247 sqft
Basement Area	988 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	A-Frame
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,939 sqft (0.504 acres)
Lot Dimensions	309 ft deep x 71 ft wide
Garage Type	Detached
Garage Area	518 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	75 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	425 2ND ST
City	COLLINS
State	IA
Zip	50055-7738
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARMSTRONGS ADD BLOCK:2 LOT:8 COLLINS
Legal Range	21W
Legal Township	82N
Legal Section	21
Legal Subdivision	ARMSTRONGS ADD
Legal Block	2
Legal Lot Number	8
Jurisdiction	STORY IA
Township / Civil Division	COLLINS
Census Block Group	2
Census Block	2123
Census Tract	10200

Owner

425 2nd St is owned and occupied by two individuals who bought it in August 2026.

Source: Story County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	425 2ND ST, COLLINS, IA 50055-7738
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Aug 3, 2026	Warranty Deed, Transfer · Conventional Mortgage MIDWEST FAMILY LENDING CORPORATION
Dec 27, 2023	Legal Action/Court Order, Foreclosure · Conventional Mortgage LOWER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2026 · Amount on File
Deed Sale	Aug 3, 2026 · Amount on File
Prior Sale	Dec 27, 2023 · Amount on File
Deed Document Number	20266981
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Aug 3, 2026
Property Address	425 2ND ST, COLLINS, IA 50055-7738
Document Number	0000006981
Instrument Date	Jul 31, 2026
Instrument	20266981
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount 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	425 2ND ST, COLLINS, IA 50055-7738

Mortgage

Document Number	0000006982,
Date	Aug 3, 2026
Instrument	20266982

Lender

Name	MIDWEST FAMILY LENDING CORPORATION

Agreement

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

Interest

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

December 2023: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	STORY IA
Recording Date	Dec 27, 2023
Property Address	425 2ND ST, COLLINS, IA 50055-7738
Document Number	0202309159
Instrument Date	Dec 20, 2023
Instrument	2023-09159
Transaction Type	Foreclosure
Record Updated	Sep 30, 2025
Title Company	ATS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 2ND ST, COLLINS, IA 50055-7738

Mortgage

Document Number	0202309160
Date	Dec 27, 2023
Instrument	2023-09160

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 425 2nd St was $1,834, up 0.3% 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	$1,834.00 (+0.33%)	$110,600 Land $17,200 Building $93,400	$110,600 Land $17,200 Building $93,400
2024	$1,828.00
2023		$103,200 Land $15,000 Building $88,200	$103,200 Land $15,000 Building $88,200
2022	$1,774.00

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

Flood

FEMA maps place 425 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 425 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 96% of the US · lower than 71% 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	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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