434 4th St, Ashton, IA 51232 Property Records

Osceola County property record for 434 4th St, Ashton, IA 51232

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,890 sqft · built 1914
Lot Size	0.341 acres (14,850 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (May 2026)
Tax Bill	$1,504 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`260010218000`

Property Details

APN / Parcel Number

Primary APN	`260010218000`
Alternative APN	`000000010218000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,890 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,850 sqft (0.341 acres)
Lot Dimensions	150 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	368 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	434 4TH ST
City	ASHTON
State	IA
Zip	51232-7711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 E1/2 LOT 19 BLK 2 ORIGINAL
Legal Subdivision	TOWN OF ASHTON
Legal Block	2
Legal Lot Number	18,19
Jurisdiction	OSCEOLA IA
Township / Civil Division	GILMAN
Census Block Group	3
Census Block	3109
Census Tract	460200

Owner

434 4th St is owned and occupied by an individual who bought it in May 2026.

Source: Osceola County records, as of June 8, 2026

Owner of Record	Individual Name on File
Mailing Address	434 4TH ST, ASHTON, IA 51232-7711
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
May 13, 2026	Warranty Deed, Transfer · Conventional Mortgage FRONTIER BANK
Nov 18, 2022	Intrafamily Transfer, Transfer
Jun 24, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage JP MORGAN CHASE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2026 · Amount on File
Deed Sale	May 13, 2026 · Amount on File
Prior Sale	Apr 21, 2010 · Amount on File
Deed Document Number	2026558
Deed Book / Page	2026 / 558
Prior Transfer Date	Nov 18, 2022
Prior Transfer Doc	02022/1654
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA IA
Recording Date	May 13, 2026
Property Address	434 4TH ST, ASHTON, IA 51232-7711
Document Number	0000000558
Book / Page	2026 / 558
Instrument Date	May 13, 2026
Instrument	2026558
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,927.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 4TH ST, ASHTON, IA 51232-7711

Mortgage

Document Number	2026000587,
Date	May 13, 2026
Book Page	2026/587

Lender

Name	FRONTIER BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA IA
Recording Date	Nov 18, 2022
Property Address	434 4TH ST, ASHTON, IA 51232-7711
Document Number	02022/1654
Book / Page	2022 / 1654
Instrument Date	Nov 18, 2022
Instrument	20221654
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 4TH ST, ASHTON, IA 51232-7711

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA IA
Recording Date	Jun 24, 2022
Property Address	434 4TH ST, ASHTON, IA 51232-7711
Document Number	002022/927
Book / Page	2022 / 927
Instrument Date	Apr 22, 2022
Instrument	20220927
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	002022/928
Date	Jun 24, 2022
Book Page	2022/928
Instrument	20220928

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2042

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 434 4th St was $1,504 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Ashton City
County	Osceola County
Unified School District	Sheldon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,504.00 Homeowner's exemption	$102,860 Land $8,910 Building $93,950	$102,860 Land $8,910 Building $93,950
2024	$1,504.00
2023		$92,910 Land $8,910 Building $84,000	$92,910 Land $8,910 Building $84,000
2022	$1,166.00

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

Flood

FEMA maps place 434 4th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective November 4, 2021 · 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	1 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes

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 434 4th 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 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	ASHTON MUNICIPAL WATER DEPARTMENT serves 456 people · EPA ID IA7209069
Water Source	Purchased groundwater from OSCEOLA RURAL WATER SYSTEM-NORTH
Last State Inspection	Feb 2026
Lead	2 ppb (2022–2024) 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Cable · Fiber in parts of the area	1,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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