447 E Valley Dr, Carroll, IA 51401 Property Records

Carroll County property record for 447 E Valley Dr, Carroll, IA 51401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,212 sqft · built 1964
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Sep 2024)
Tax Bill	$2,032 (2026)
Deeds & Mortgages	May 2026 Line of Credit Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0625408008`

Property Details

APN / Parcel Number

Primary APN	`0625408008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,212 sqft Living Area
Basement Area	1,212 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Patio Area	196 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	447 E VALLEY DR
City	CARROLL
State	IA
Zip	51401-3137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IRR SUR NW SE LOT 1
Legal Subdivision	IRREGULAR SURVEY OF THE NW 1/4 SE 1/4 OF
Legal Lot Number	1
Jurisdiction	CARROLL IA
Township / Civil Division	CARROLL
Census Block Group	4
Census Block	4049
Census Tract	960400

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	447 E VALLEY DR, CARROLL, IA 51401-3137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK
Apr 6, 2023	Deed of Trust, Mortgage · Commercial Mortgage COMMERCIAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2024 · Amount on Record
Deed Sale	Sep 25, 2024 · Amount on Record
Prior Sale	Apr 5, 2023 · Amount on Record
Deed Document Number	20242283
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IA
Recording Date	May 29, 2026
Property Address	447 E VALLEY DR, CARROLL, IA 51401-3137
Document Number	0020261473
Instrument Date	May 21, 2026
Instrument	20261473
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 E VALLEY DR, CARROLL, IA 51401-3137

Mortgage

Document Number	0000001473,
Date	May 29, 2026
Instrument	20261473

Lender

Name	BMO HARRIS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2056

Interest

Rate	6.23%
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IA
Property Address	447 E VALLEY DR, CARROLL, IA 51401-3137
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020230746
Date	Apr 6, 2023
Instrument	2023-0746

Lender

Name	COMMERCIAL SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 10, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,032.00	$186,150 (+6.52%) Land $27,560 Building $158,590	$186,150 (+6.52%) Land $27,560 Building $158,590
2025	$2,032.00 (+20.09%)	$174,760 (+14.3%) Land $27,560 Building $147,200	$174,760 (+14.3%) Land $27,560 Building $147,200
2023		$152,890 (+26.16%) Land $27,560 Building $125,330	$152,890 (+26.16%) Land $27,560 Building $125,330
2022		$121,190 Land $24,010 Building $97,180
2021			$121,190 Land $24,010 Building $97,180
2018	$1,692.00

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 September 15, 2017 · 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 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & 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

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

Wildfire Risk	Low lower than 93% of the US · above 40% 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	CARROLL MUNICIPAL WATER SUPPLY serves 10,321 people · EPA ID IA1415072
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	8 ppb (2021–2023) 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 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BTC Fiber	2,000 / 2,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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