503 Oak St, Union, IA 50258 Property Records

Hardin County property record for 503 Oak St, Union, IA 50258

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,526 sqft · built 1974
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Jun 2020)
Tax Bill	$1,758 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`861921414002`

Property Details

APN / Parcel Number

Primary APN	`861921414002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,526 sqft Living Area
1st Floor Area	1,190 sqft
Basement Area	1,190 sqft
Unfinished Basement	1,190 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1980
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	132 ft deep x 132 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	503 OAK ST
City	UNION
State	IA
Zip	50258-7793
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5-6, BLOCK 16, BENSONS ADD, UNION
Legal Subdivision	BENSONS ADD
Legal Block	16
Legal Lot Number	5,6
Jurisdiction	HARDIN IA
Township / Civil Division	UNION
Census Block Group	4
Census Block	4105
Census Tract	480500

Owner

503 Oak St is owned and occupied by an individual who bought it in June 2020.

Source: Hardin County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	503 OAK ST, UNION, IA 50258-7793
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2020 · Amount on File
Deed Sale	Jun 15, 2020 · Amount on File
Prior Sale	Jul 30, 2007 · Amount on File
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN IA
Recording Date	Apr 15, 2026
Property Address	503 OAK ST, UNION, IA 50258-7793
Instrument Date	Apr 4, 2026
Transaction Type	Transfer
Record Updated	Jul 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

Mortgage

Date	Apr 15, 2026

Lender

Name	SECURITY STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 1, 2027

Interest

Rate Type	Adjustable Rate
Rate	0.56%
Initial Type	Adjustable Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 503 Oak St was $1,758 with a homeowner's exemption.

Source: Hardin County assessment roll, as of October 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,758.00 Homeowner's exemption	$156,020 Land $5,540 Building $150,480	$156,020 Land $5,540 Building $150,480
2024	$1,758.00
2023		$119,420 (+3.65%) Land $5,540 Building $113,880	$119,420 Land $5,540 Building $113,880
2022	$1,792.00 Homeowner's exemption	$115,220 Land $5,540 Building $109,680
2021			$115,220 Land $5,540 Building $109,680

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

Flood

FEMA maps place 503 Oak St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective June 19, 2012 · 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	6 in force
Nearby Flood Claims	7 (1990–2025)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jul 2025 · other causes
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 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 Oak St is low, with 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	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	UNION WATER SUPPLY serves 399 people · EPA ID IA4291038
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	3 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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Heart of Iowa Communications Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: GigFire.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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