4540 Zinnia Ave, Dougherty, IA 50433 Property Records

Cerro Gordo County property record for 4540 Zinnia Ave, Dougherty, IA 50433

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 956 sqft · built 1910
Lot Size	1.61 acres (70,132 sqft)
Owner	Individual Name on File
Last Sale	$162,000 (Apr 2024)
Tax Bill	$1,432 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`161320000600`

Property Details

APN / Parcel Number

Primary APN	`161320000600`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	956 sqft Living Area
Basement Area	956 sqft
Unfinished Basement	956 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Contemporary
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	70,132 sqft (1.61 acres)
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	140 sqft
Granary	Granary

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4540 ZINNIA AVE
City	DOUGHERTY
State	IA
Zip	50433-9034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 250' S 350' NE1/4 13-94-19
Legal Range	19W
Legal Township	94N
Legal Section	13
Legal Subdivision	DOUGHERTY TWN ACREAGES
Jurisdiction	CERRO GORDO IA
Township / Civil Division	DOUGHERTY
Census Block Group	2
Census Block	2033
Census Tract	951000

Owner

4540 Zinnia Ave is owned and occupied by an individual who bought it in April 2024.

Source: Cerro Gordo County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	4540 ZINNIA AVE, DOUGHERTY, IA 50433-9034
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
Sep 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK
Apr 15, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST CITIZENS BANK
Apr 15, 2024	Legal Action/Court Order, Foreclosure
Aug 29, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2024 · Amount on File
Deed Sale	Apr 15, 2024 · Amount on File
Deed Document Number	20241563
Prior Transfer Date	Jul 27, 2017
Prior Transfer Doc	02017/4995
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CERRO GORDO IA
Recording Date	Sep 14, 2026
Property Address	4540 ZINNIA AVE, DOUGHERTY, IA 50433-9034
Document Number	0000005074
Instrument Date	Sep 8, 2026
Instrument	20265074
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4540 ZINNIA AVE, DOUGHERTY, IA 50433-9034

Mortgage

Document Number	0000005074,
Date	Sep 14, 2026
Instrument	20265074

Lender

Name	FIRST CITIZENS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 14, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CERRO GORDO IA
Recording Date	Apr 15, 2024
Property Address	4540 ZINNIA AVE, DOUGHERTY, IA 50433-9034
Document Number	02024/1563
Book / Page	2024 / 1563
Instrument Date	Apr 10, 2024
Instrument	2024-1563
Transaction Type	Transfer
Record Updated	May 1, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4540 ZINNIA AVE, DOUGHERTY, IA 50433-9034

Mortgage

Document Number	02024/1566
Date	Apr 15, 2024
Book Page	2024/1566
Instrument	2024-1566

Lender

Name	FIRST CITIZENS BANK
Type	Bank
Address	CHARLES CITY, IA 50616

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate

April 2024: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CERRO GORDO IA
Recording Date	Apr 15, 2024
Property Address	4540 ZINNIA AVE, DOUGHERTY, IA 50433-9034
Document Number	02024/1564
Book / Page	2024 / 1564
Instrument Date	Apr 7, 2024
Instrument	2024-1564
Transaction Type	Foreclosure
Record Updated	May 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4540 ZINNIA AVE, DOUGHERTY, IA 50433-9034

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CERRO GORDO IA
Recording Date	Aug 29, 2017
Property Address	4540 ZINNIA AVE, DOUGHERTY, IA 50433-9034
Document Number	02017/4995
Book / Page	2017 / 4995
Instrument Date	Jul 27, 2017
Instrument	2017-4995
Transaction Type	Transfer
Record Updated	Nov 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4540 ZINNIA AVE, DOUGHERTY, IA 50433-9034

Tax Assessment & Valuation

The 2025 property tax bill for 4540 Zinnia Ave was $1,432.

Source: Cerro Gordo County assessment roll, as of November 14, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Cerro Gordo County
Unified School District	Rudd-Rockford-Marble Rock Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,432.00	$187,260 Land $31,300 Building $155,960	$187,260 Land $31,300 Building $155,960
2024	$1,432.00
2023		$174,280 (+9.14%) Land $31,300 Building $142,980	$174,280 (+9.14%) Land $31,300 Building $142,980
2022	$1,790.00 Homeowner's exemption	$159,690 Land $25,930 Building $133,760	$159,690 Land $25,930 Building $133,760

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

Flood

FEMA maps place 4540 Zinnia Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 14, 2022

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.

Wildfire

Wildfire risk around 4540 Zinnia Ave 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rockwell Cooperative Telephone Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Zinnia Ave

Nearby Streets

All Dougherty, IA Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures