503 Cottage St, Adel, IA 50003 Property Records

Dallas County property record for 503 Cottage St, Adel, IA 50003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,840 sqft · built 1992
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on File
Last Sale	$198,500 (Oct 2014)
Tax Bill	$5,088 (2025)
Deeds & Mortgages	Oct 2021 Second Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-32-209-033`

Property Details

APN / Parcel Number

Primary APN	`11-32-209-033`
Alternative APNs	`000001132209033` `540001132209033` `1132209023`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,840 sqft Living Area
Gross Area	3,370 sqft
1st Floor Area	738 sqft
Basement Area	1,046 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Bi-Level
Exterior Material	Hardboard
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	330 ft deep x 99 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	50 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	540001132209033
Street Address	503 COTTAGE ST
City	ADEL
State	IA
Zip	50003-2107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W99 E297 N330 NW NE S OF COTTAGE
Legal Range	27W
Legal Township	79N
Legal Section	32
Legal Tract	2014-14647
Jurisdiction	DALLAS IA
Township / Civil Division	ADEL
Census Block Group	1
Census Block	1036
Census Tract	50700

Owner

503 Cottage St is owned and occupied by two individuals who bought it in October 2014.

Source: Dallas County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	503 COTTAGE ST, ADEL, IA 50003-2107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2014 · Amount on File
Deed Sale	Oct 28, 2014 · Amount on File
Deed Document Number	2014647
Deed Book / Page	2014 / 14647
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DALLAS IA
Property Address	503 COTTAGE ST, ADEL, IA 50003-2107
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 COTTAGE ST, ADEL, IA 50003-2107

Mortgage

Document Number	, 0202130031
Date	Oct 12, 2021
Book Page	2021/30031

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 20, 2036

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DALLAS IA
Property Address	503 COTTAGE ST, ADEL, IA 50003-2107
Transaction Type	Mortgage
Record Updated	Feb 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 0020213516
Date	Feb 3, 2021
Book Page	2021/3516

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 503 Cottage St was $5,088 with a homeowner's exemption.

Source: Dallas County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Adel City
County	Dallas County
Unified School District	Adel-De Soto-Minburn Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,088.00 Homeowner's exemption	$321,570 Land $52,170 Building $269,400	$321,570 Land $52,170 Building $269,400
2024	$5,088.00
2023		$305,040 Land $42,970 Building $262,070	$305,040 Land $42,970 Building $262,070
2022	$5,174.00

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

Flood

FEMA maps place 503 Cottage St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1991.

Source: FEMA National Flood Hazard Layer, effective June 23, 2023 · 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	2 in force
Nearby Flood Claims	13 (1991–2010)
Claims Outside the SFHA	5 of 13
Most Recent Claim	Aug 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 5 claims Severe Storms & Flooding, Jul 1993 · 5 claims

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 503 Cottage 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 98% of the US · lower than 82% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ADEL MUNICIPAL WATER WORKS serves 6,461 people · EPA ID IA2503003
Water Source	Groundwater
Last State Inspection	Feb 2024
Also Mapped Here	XENIA RWD (DES MOINES)
Lead	Under 1 ppb (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 199 locations within half a mile, as of December 31, 2025

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

May also be available: Minburn Communications, Verizon.

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