O'Brien County property record for 45 S 2nd Ave E, Hartley, IA 51346
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,023 sqft · built 1926 |
| Lot Size | 0.209 acres (9,088 sqft) |
| Owner | Individual Name on File |
| Last Sale | $168,500 (Dec 2022) |
| Tax Bill | $2,342 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit May 2023 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0000025700 |
| Primary APN | 0000025700 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 2,023 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 1,200 sqft |
| Unfinished Basement | 1,200 sqft |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | A-Frame |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,088 sqft (0.209 acres) |
| Lot Dimensions | 142 ft deep x 64 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Porch | Porch |
| Porch Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Water Source | Commercial |
| Street Address | 45 S 2ND AVE E |
|---|---|
| City | HARTLEY |
| State | IA |
| Zip | 51346-1428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIGINAL TOWN LOT 3 BLK 3 |
| Legal Subdivision | HARTLEY |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | O'BRIEN IA |
| Township / Civil Division | HARTLEY |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 490100 |
45 S 2nd Ave E is owned and occupied by an individual who bought it in December 2022.
Source: O'Brien County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 S 2ND AVE E, HARTLEY, IA 51346-1428 |
| 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.
| Date | Document |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage · Line of Credit FARMERS TRUST AND SVGS BANK |
| May 25, 2023 | Deed of Trust, Mortgage · Construction Mortgage SAVINGS BANK |
| Dec 5, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2022 · Amount on File |
| Deed Sale | Dec 5, 2022 · Amount on File |
| Deed Document Number | 20223102 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | O'BRIEN IA |
| Recording Date | May 1, 2026 |
| Property Address | 45 S 2ND AVE E, HARTLEY, IA 51346-1428 |
| Document Number | 0000001294 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 20261294 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 45 S 2ND AVE E, HARTLEY, IA 51346-1428 |
| Document Number | 0000001294, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 20261294 |
| Name | FARMERS TRUST AND SVGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | O'BRIEN IA |
| Property Address | 45 S 2ND AVE E, HARTLEY, IA 51346-1428 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 45 S 2ND AVE E, HARTLEY, IA 51346-1428 |
| Document Number | 0202301024 |
|---|---|
| Date | May 25, 2023 |
| Instrument | 2023-01024 |
| Name | SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | HARTLEY, IA 51346 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 19, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | O'BRIEN IA |
| Recording Date | Dec 5, 2022 |
| Property Address | 45 S 2ND AVE E, HARTLEY, IA 51346-1428 |
| Document Number | 0020223102 |
| Instrument Date | Nov 28, 2022 |
| Instrument | 2022-3102 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $268.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 S 2ND AVE E, HARTLEY, IA 51346-1428 |
The 2025 property tax bill for 45 S 2nd Ave E was $2,342, down 2.6% from the year before.
Source: O'Brien County assessment roll, as of December 19, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | O'Brien County |
| Municipality | Hartley City |
| Unified School District | Hartley-Melvin-Sanborn Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,342.00 (-2.62%) | $167,020 Land $10,880 Building $156,140 | $167,020 Land $10,880 Building $156,140 |
| 2024 | $2,405.00 | ||
| 2023 | $146,510 (+46.72%) Land $8,320 Building $138,190 | $146,510 Land $8,320 Building $138,190 | |
| 2022 | $1,752.00 Homeowner's exemption | $99,860 Land $6,400 Building $93,460 | |
| 2021 | $99,860 Land $6,400 Building $93,460 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 S 2nd Ave E in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 16, 2020
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 45 S 2nd Ave E has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HARTLEY MUNICIPAL WATER DEPARTMENT serves 1,605 people · EPA ID IA7128036 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 388 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| The Community Agency Fiber | 1,000 / 1,000 |
| Windstream DSL | 200 / 20 |
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