435 N 7th St, Sheffield, IA 50475 Property Records

Franklin County property record for 435 N 7th St, Sheffield, IA 50475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,902 sqft · built 1890
Lot Size	0.358 acres (15,594 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,448 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`030430101200`

Property Details

APN / Parcel Number

Primary APN	`030430101200`
Alternative APN	`0304301012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,902 sqft Living Area
1st Floor Area	612 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,594 sqft (0.358 acres)
Lot Dimensions	138 ft deep x 113 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	Deck Area
Patio Area	435 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	435 N 7TH ST
City	SHEFFIELD
State	IA
Zip	50475-5073
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 138' LOT 13 N 1/2 (SEQ:1), SW 1/4 4 93 20 (SEQ:2) REC-#03-0151 ()
Legal Lot Number	13
Jurisdiction	FRANKLIN IA
Township / Civil Division	SHEFFIELD
Census Block Group	4
Census Block	4013
Census Tract	360100

Owner

Source: Franklin County records, as of September 1, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	435 N 7TH ST, SHEFFIELD, IA 50475-5073
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2023	Deed of Trust, Mortgage · Line of Credit CENT CU
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENT CU
Aug 18, 2017	Deed of Trust, Mortgage · Closed-End Mortgage CENT CU
Aug 18, 2017	Deed of Trust, Mortgage · Closed-End Mortgage CENT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN IA
Property Address	435 N 7TH ST, SHEFFIELD, IA 50475-5073
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020230207
Date	Feb 3, 2023
Instrument	20230207

Lender

Name	CENT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN IA
Property Address	435 N 7TH ST, SHEFFIELD, IA 50475-5073
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020201818
Date	Oct 29, 2020
Instrument	20201818

Lender

Name	CENT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	252 Months
Due	Nov 1, 2041

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN IA
Property Address	435 N 7TH ST, SHEFFIELD, IA 50475-5073
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20171867
Date	Aug 18, 2017
Instrument	20171867

Lender

Name	CENT CU
Type	Credit Union
Address	MASON CITY, IA 50401

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 15, 2027

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN IA
Property Address	435 N 7TH ST, SHEFFIELD, IA 50475-5073
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20171866
Date	Aug 18, 2017
Instrument	20171866

Lender

Name	CENT CU
Type	Credit Union
Address	MASON CITY, IA 50401

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	252 Months
Due	Aug 15, 2038

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Franklin County
Municipality	Sheffield City
Unified School District	West Fork Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,448.00 (-0.08%) Homeowner's exemption	$163,600 (+8.85%) Land $14,700 Building $148,900	$163,600 (+8.85%) Land $14,700 Building $148,900
2024	$2,450.00 (-2.85%)
2023		$150,300 (+9.55%) Land $14,700 Building $135,600	$150,300 (+9.55%) Land $14,700 Building $135,600
2022	$2,522.00 Homeowner's exemption	$137,200 Land $14,700 Building $122,500
2021			$137,200 Land $14,700 Building $122,500

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 August 26, 2016 · 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	2 in force
Nearby Flood Claims	2 (2010–2016)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2016 · rainfall accumulation

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 98% of the US · lower than 82% 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	SHEFFIELD WATER SUPPLY serves 1,130 people · EPA ID IA3570037
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
Router12 Networks Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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