441 4th St, Ashton, IA 51232 Property Records

Osceola County property record for 441 4th St, Ashton, IA 51232

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,403 sqft · built 1890
Lot Size	0.117 acres (5,097 sqft)
Owner	Individual Name on File
Last Sale	$137,500 (Jul 2023)
Tax Bill	$2,038 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`260011404010`

Property Details

APN / Parcel Number

Primary APN	`260011404010`
Alternative APN	`000000011404010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,403 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,097 sqft (0.117 acres)
Lot Dimensions	77 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	441 4TH ST
City	ASHTON
State	IA
Zip	51232-7702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S90' LOT 4 EXC PAR A BLK 14 FIRST ADDITION
Legal Subdivision	FIRST ADDITION
Legal Block	14
Legal Lot Number	4
Jurisdiction	OSCEOLA IA
Township / Civil Division	GILMAN
Census Block Group	3
Census Block	3107
Census Tract	460200

Owner

441 4th St is owned and occupied by an individual who bought it in July 2023.

Source: Osceola County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	441 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
Jul 28, 2023	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Sep 30, 2019	Quit Claim Deed, Transfer Quitclaim
May 2, 2012	Warranty Deed, Transfer · Conventional Mortgage IOWA STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2023 · Amount on File
Deed Sale	Jul 28, 2023 · Amount on File
Prior Sale	May 2, 2012 · Amount on File
Deed Document Number	2023761
Deed Book / Page	2023 / 761
Prior Transfer Date	Sep 25, 2019
Prior Transfer Doc	02019/1155
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA IA
Recording Date	Jul 28, 2023
Property Address	441 4TH ST, ASHTON, IA 51232-7702
Document Number	002023/761
Book / Page	2023 / 761
Instrument Date	Jul 17, 2023
Instrument	20230761
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 4TH ST, ASHTON, IA 51232-7702

Mortgage

Document Number	0020230762
Date	Jul 28, 2023
Instrument	20230762

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA IA
Recording Date	Sep 30, 2019
Property Address	441 4TH ST, ASHTON, IA 51232
Document Number	2019/1155
Book / Page	2019 / 1155
Instrument Date	Sep 25, 2019
Instrument	20191155
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 4TH ST, ASHTON, IA 51232

May 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA IA
Recording Date	May 2, 2012
Property Address	441 4TH ST, ASHTON, IA 51232-7702
Document Number	002012/550
Book / Page	2012 / 550
Instrument Date	Apr 26, 2012
Instrument	201200550
Transaction Type	Transfer
Record Updated	Jul 22, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 4TH AVE, SHELDON, IA 51201

Mortgage

Document Number	002012/551
Date	May 2, 2012
Book Page	2012/551
Instrument	201200551

Lender

Name	IOWA STATE BANK
Type	Bank
Address	HULL, IA 51239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 441 4th St was $2,038.

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	$2,038.00	$126,750 Land $4,280 Building $122,470	$126,750 Land $4,280 Building $122,470
2024	$2,038.00
2023		$64,150 Land $4,280 Building $59,870	$64,150 Land $4,280 Building $59,870
2022	$744.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 441 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 441 4th St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.02% 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	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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