504 Riggs St, Lester, IA 51242 Property Records

Lyon County property record for 504 Riggs St, Lester, IA 51242

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,039 sqft · built 1900
Lot Size	0.328 acres (14,318 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Jun 2022)
Tax Bill	$4,962 (2024)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2020 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`370000008901000`

Property Details

APN / Parcel Number

Primary APN	`370000008901000`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,039 sqft Living Area
1st Floor Area	1,431 sqft
Basement Area	1,991 sqft
Finished Basement	1,330 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,318 sqft (0.328 acres)
Garage Type	Attached
Garage Area	1,680 sqft
Parking Spaces	6 Parking Spaces
Porch	Open Porch
Porch Area	440 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Geothermal
Water Source	Commercial

Location & Zoning

Street Address	504 RIGGS ST
City	LESTER
State	IA
Zip	51242-7703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAMILY DWELLINGS
Legal Description	SORGS ADD LOT 6 & W 71.72' ADJACENT, BLK 1 EXC S 30' OF LOT 6 & ADJ W 71.72'
Legal Subdivision	SORGS ADD
Legal Block	1
Legal Lot Number	6
Jurisdiction	LYON IA
Township / Civil Division	LARCHWOOD
Census Block Group	1
Census Block	1060
Census Tract	950300

Owner

504 Riggs St is owned and occupied by an individual who bought it in June 2022.

Source: Lyon County records, as of October 9, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	504 RIGGS ST, LESTER, IA 51242-7703
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
Apr 1, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Apr 13, 2020	Deed of Trust, Mortgage · Commercial Mortgage PREMIER BANK
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Oct 30, 2014	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Aug 28, 2012	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Jul 24, 2014	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Jun 28, 2022	Warranty Deed, Transfer · Conventional Mortgage VOYAGE FCU
Apr 12, 2017	Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on File
Deed Sale	Jun 28, 2022 · Amount on File
Prior Sale	Apr 12, 2017 · Amount on File
Deed Document Number	2022 1678
Deed Book / Page	2022 / 1678
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	504 RIGGS ST, LESTER, IA 51242-7703
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/709
Date	Apr 1, 2020
Book Page	2020/709
Instrument	709

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	504 RIGGS ST, LESTER, IA 51242-7703
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/842
Date	Apr 13, 2020
Book Page	2020/842
Instrument	2020 0842

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2045

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	504 RIGGS ST, LESTER, IA 51242-7703
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1307
Date	Apr 30, 2021
Book Page	2021/1307
Instrument	2021 1307

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

October 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	504 RIGGS ST, LESTER, IA 51242-7703
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02014/2262
Date	Oct 30, 2014
Book Page	2014/2262
Instrument	2014 2262

Lender

Name	PEOPLES BANK
Type	Bank
Address	SIOUX CENTER, IA 51250

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	504 RIGGS ST, LESTER, IA 51242-7703
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/2413
Date	Aug 28, 2012
Book Page	2012/2413
Instrument	2012 2413

Lender

Name	PEOPLES BANK
Type	Bank
Address	ROCK VALLEY, IA 51247

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 16, 2013

July 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	504 RIGGS ST, LESTER, IA 51242-7703
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02014/1568
Date	Jul 24, 2014
Book Page	2014/1568
Instrument	2014 1568

Lender

Name	PEOPLES BANK
Type	Bank
Address	SIOUX CENTER, IA 51250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2029

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Jun 28, 2022
Property Address	504 RIGGS ST, LESTER, IA 51242-7703
Document Number	02022/1678
Book / Page	2022 / 1678
Instrument Date	Jun 22, 2022
Instrument	2022 1678
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$639.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	504 RIGGS ST, LESTER, IA 51242-7703

Mortgage

Document Number	0020221834
Date	Jun 28, 2022
Instrument	2022 1834

Lender

Name	VOYAGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 27, 2037

Interest

Rate Type	Fixed Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Apr 12, 2017
Property Address	504 RIGGS ST, LESTER, IA 51242-7703
Document Number	02017/0922
Book / Page	2017 / 0922
Instrument Date	Apr 7, 2017
Instrument	2017 0922
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	504 RIGGS ST, LESTER, IA 51242-7703

Mortgage

Document Number	02017/0923
Date	Apr 12, 2017
Book Page	2017/0923
Instrument	2017 0923

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Lyon County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Lyon County
Municipality	Lester City
Unified School District	West Lyon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$490,160 Land $16,550 Building $473,610	$490,160 Land $16,550 Building $473,610
2024	$4,962.00
2023		$388,362 (+48.75%) Land $16,550 Building $371,812	$401,410
2022	$3,164.00 Homeowner's exemption	$261,092 Land $16,550 Building $244,542
2021			$274,140

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

Flood

FEMA maps place 504 Riggs St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 23, 2021

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 504 Riggs 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 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.

Drinking Water

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

Water System	LESTER WATER SUPPLY serves 296 people · EPA ID IA6055077
Water Source	Purchased groundwater from LYON-SIOUX RWS-BIG SIOUX
Last State Inspection	Feb 2024
Lead	2 ppb (2022–2024) 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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Alliance Communications Cooperative Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Riggs St

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