431 E 3rd St, Monticello, IA 52310 Property Records

Jones County property record for 431 E 3rd St, Monticello, IA 52310

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 864 sqft · built 2007
Lot Size	0.232 acres (10,112 sqft)
Owner	2 Individual Names on File
Last Sale	$142,000 (Oct 2017)
Tax Bill	$3,014 (2026)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0222326002`

Property Details

APN / Parcel Number

Primary APN	`0222326002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Attic	Attic
Attic Area	154 sqft
Basement Area	864 sqft
Finished Basement	650 sqft
Unfinished Basement	214 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,112 sqft (0.232 acres)
Lot Dimensions	158 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	431 E 3RD ST
City	MONTICELLO
State	IA
Zip	52310-1500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IRREG PLAT W 64' EX N 154' LOT 153
Legal Subdivision	MONTICELLO
Legal Lot Number	153
Jurisdiction	JONES IA
Township / Civil Division	LOVELL
Census Block Group	4
Census Block	4005
Census Tract	70600

Owner

431 E 3rd St is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	431 E 3RD ST, MONTICELLO, IA 52310-1500
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2017 · Amount on File
Deed Sale	Oct 25, 2017 · Amount on File
Deed Document Number	20172924
Record Updated	Oct 29, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JONES IA
Recording Date	Oct 25, 2017
Property Address	431 E 3RD ST, MONTICELLO, IA 52310-1500
Document Number	20172924
Instrument Date	Oct 18, 2017
Instrument	2017-2924
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	431 E 3RD ST, MONTICELLO, IA 52310-1500

Mortgage

Document Number	20172925
Date	Oct 25, 2017
Instrument	2017-2925

Lender

Name	DUBUQUE BANK & TRUST CO
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 431 E 3rd St was $3,014 with a homeowner's exemption.

Source: Jones County assessment roll, as of October 10, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,014.00	$200,970 (-) Land $14,210 Building $186,760	$200,970 (-) Land $14,210 Building $186,760
2025	$3,014.00 (+2.52%) Homeowner's exemption	$200,970 Land $14,210 Building $186,760	$200,970 Land $14,210 Building $186,760
2024	$2,940.00
2023		$181,390 (+19.42%) Land $14,210 Building $167,180	$181,390 Land $14,210 Building $167,180
2022	$3,050.00 Homeowner's exemption	$151,890 Land $14,210 Building $137,680
2021			$151,890 Land $14,210 Building $137,680

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

Flood

FEMA maps place 431 E 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2010–2013)
Most Recent Claim	Jun 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 431 E 3rd 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	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	MONTICELLO WATER SUPPLY serves 4,040 people · EPA ID IA5343098
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	3 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 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cascade Communications Fiber	1,000 / 1,000
Comelec Internet Services Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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