435 4th St, Ashton, IA 51232 Property Records

Osceola County property record for 435 4th St, Ashton, IA 51232

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,728 sqft · built 1918
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$30,000 (Jan 2020)
Tax Bill	$914 (2024)
Deeds & Mortgages	Feb 2024 Line of Credit Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`260010103000`

Property Details

APN / Parcel Number

Primary APN	`260010103000`
Alternative APN	`000000010103000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
1st Floor Area	784 sqft
Basement Area	784 sqft
Game Room	Game Room
Interior Walls	Plaster

Exterior

Year Built	Built 1918
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	688 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	251 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam

Location & Zoning

Street Address	435 4TH ST
City	ASHTON
State	IA
Zip	51232-7702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 1 ORIGINAL
Legal Block	1
Legal Lot Number	3
Jurisdiction	OSCEOLA IA
Township / Civil Division	GILMAN
Census Block Group	3
Census Block	3106
Census Tract	460200

Owner

435 4th St is owned and occupied by an individual who bought it in January 2020.

Source: Osceola County records, as of October 9, 2025

Owner of Record	Individual Name on File
Mailing Address	435 4TH ST, ASHTON, IA 51232-7702
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

Date	Document
Feb 14, 2024	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Jan 6, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2020 · Amount on File
Deed Sale	Jan 6, 2020 · Amount on File
Deed Document Number	2020200011
Deed Book / Page	2020 / 11
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA IA
Property Address	435 4TH ST, ASHTON, IA 51232-7702
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002024/174
Date	Feb 14, 2024
Book Page	2024/174
Instrument	20240174

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA IA
Recording Date	Jan 6, 2020
Property Address	435 4TH ST, ASHTON, IA 51232-7702
Document Number	2020/11
Book / Page	2020 / 11
Instrument Date	Dec 19, 2019
Instrument	2020200011
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	435 4TH ST, ASHTON, IA 51232-7702

Mortgage

Document Number	0002020/12
Date	Jan 6, 2020
Book Page	2020/12
Instrument	2020200012

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of May 1, 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		$65,770 Land $6,120 Building $59,650	$65,770 Land $6,120 Building $59,650
2024	$914.00
2023		$60,450 Land $6,120 Building $54,330	$60,450 Land $6,120 Building $54,330
2022	$516.00

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

Flood

FEMA maps place 435 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 435 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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