Delaware County property record for 480 Main St, Ryan, IA 52330
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,040 sqft · built 1995 |
| Lot Size | 0.311 acres (13,545 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,134 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Apr 2020 Refinance + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 690000107840 |
| Primary APN | 690000107840 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Basement Area | 1,040 sqft |
| Finished Basement | 1,040 sqft |
| Unfinished Basement | 890 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 13,545 sqft (0.311 acres) |
| Lot Dimensions | 129 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 256 sqft |
| Patio Area | 256 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 480 MAIN ST |
|---|---|
| City | RYAN |
| State | IA |
| Zip | 52330-7724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 GAFFNEY SUBDIV |
| Legal Subdivision | GAFFNEY SUBD |
| Legal Lot Number | 4 |
| Jurisdiction | DELAWARE IA |
| Township / Civil Division | ADAMS |
| Census Block Group | 4 |
| Census Block | 4047 |
| Census Tract | 950400 |
480 Main St is owned and occupied by two individuals.
Source: Delaware County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 480 MAIN ST, RYAN, IA 52330-7724 |
| 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 |
|---|---|
| Aug 18, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS STATE BANK |
| Apr 3, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS STATE BANK |
| Jan 2, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance DUPACO COMMUNITY CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IA |
| Property Address | 480 MAIN ST, RYAN, IA 52330-7724 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02023/1949 |
|---|---|
| Date | Aug 18, 2023 |
| Book Page | 2023/1949 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Address | RYAN, IA 52330 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 15, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IA |
| Property Address | 480 MAIN ST, RYAN, IA 52330-7724 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2020 |
| Name | Verified Name |
|---|
| Document Number | 2020/909 |
|---|---|
| Date | Apr 3, 2020 |
| Book Page | 2020/909 |
| Instrument | 909 |
| Name | CITIZENS STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IA |
| Property Address | 480 MAIN ST, RYAN, IA 52330-7724 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2019/2 |
|---|---|
| Date | Jan 2, 2019 |
| Book Page | 2019/2 |
| Instrument | 2 |
| Name | DUPACO COMMUNITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Feb 1, 2043 |
The 2025 property tax bill for 480 Main St was $2,134 with a homeowner's exemption, down 3.8% from the year before.
Source: Delaware County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Delaware County |
| Municipality | Ryan City |
| Unified School District | West Delaware County Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $139,900 (-) Land $13,100 Building $126,800 | $139,900 (-) Land $13,100 Building $126,800 | |
| 2025 | $2,134.00 (-3.79%) Homeowner's exemption | $139,900 Land $13,100 Building $126,800 | $139,900 Land $13,100 Building $126,800 |
| 2024 | $2,218.00 | ||
| 2023 | $134,600 (+24.86%) Land $13,100 Building $121,500 | $134,600 Land $13,100 Building $121,500 | |
| 2022 | $1,972.00 Homeowner's exemption | $107,800 Land $10,500 Building $97,300 | |
| 2021 | $107,800 Land $10,500 Building $97,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 480 Main St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 7, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Claims | 1 (2013) |
| Most Recent Claim | Jun 2013 · Severe Storms, Tornadoes, And 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 risk around 480 Main St 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 97% of the US · lower than 76% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RYAN WATER SUPPLY serves 350 people · EPA ID IA2864013 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Nitrite resolved · Jan 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Maquoketa Valley Electric Cooperative Fiber | 1,000 / 1,000 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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