Delaware County property record for 524 Union St, Ryan, IA 52330
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,232 sqft · built 1967 |
| Lot Size | 0.273 acres (11,880 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Jan 2025) |
| Tax Bill | $4,040 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Dec 2019 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 690000207500 |
| Primary APN | 690000207500 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Basement Area | 1,232 sqft |
| Finished Basement | 1,230 sqft |
| Unfinished Basement | 657 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,880 sqft (0.273 acres) |
| Lot Dimensions | 132 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Deck Area | 160 sqft |
| Patio Area | 308 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 524 UNION ST |
|---|---|
| City | RYAN |
| State | IA |
| Zip | 52330-7736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KEEGAN'S SUBD LT 3 |
| Legal Subdivision | KEEGANS SUBD |
| Legal Lot Number | 3 |
| Jurisdiction | DELAWARE IA |
| Township / Civil Division | ADAMS |
| Census Block Group | 4 |
| Census Block | 4047 |
| Census Tract | 950400 |
524 Union St is owned and occupied by two individuals who bought it in January 2025.
Source: Delaware County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 524 UNION ST, RYAN, IA 52330-7736 |
| 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.
| Date | Document |
|---|---|
| Mar 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK |
| Dec 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS STATE BANK |
| Jun 15, 2009 | Deed of Trust, Mortgage · Line of Credit ALLIANT CU |
| Jan 28, 2025 | Warranty Deed, Transfer · USDA Mortgage WATERSTONE MORTGAGE CORP |
| Apr 19, 2017 | Special Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2025 · Amount on File |
| Deed Sale | Jan 28, 2025 · Amount on File |
| Prior Sale | Apr 19, 2017 · Amount on File |
| Deed Document Number | 2025249 |
| Deed Book / Page | 2025 / 249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IA |
| Property Address | 524 UNION ST, RYAN, IA 52330-7736 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002022/850 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 2022/850 |
| Instrument | 22-850 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IA |
| Property Address | 524 UNION ST, RYAN, IA 52330-7736 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02019/3649 |
|---|---|
| Date | Dec 26, 2019 |
| Book Page | 2019/3649 |
| Instrument | 3649 |
| Name | CITIZENS STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IA |
| Property Address | 524 UNION ST, RYAN, IA 52330-7736 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02009/2368 |
|---|---|
| Date | Jun 15, 2009 |
| Book Page | 2009/2368 |
| Instrument | 2009 2368 |
| Name | ALLIANT CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52002 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 14, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELAWARE IA |
| Recording Date | Jan 28, 2025 |
| Property Address | 524 UNION ST, RYAN, IA 52330-7736 |
| Document Number | 002025/249 |
| Book / Page | 2025 / 249 |
| Map Reference | MB 2 PG 162 |
| Instrument Date | Jan 24, 2025 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 600 BOYSON RD NE # NE200, NE200, CEDAR RAPIDS, IA 52402-7675 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 524 UNION ST, RYAN, IA 52330-7736 |
| Document Number | 0002025250 |
|---|---|
| Date | Jan 28, 2025 |
| Instrument | 2025/250 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | DELAWARE IA |
| Recording Date | Apr 19, 2017 |
| Property Address | 524 UNION ST, RYAN, IA 52330-7736 |
| Document Number | 02017/1068 |
| Book / Page | 2017 / 1068 |
| Instrument Date | Apr 4, 2017 |
| Instrument | 2017 1068 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $112.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3415 VISION DR, COLUMBUS, OH 43219-6009 |
| Name | Verified Name |
|---|---|
| Address | 600 SOUTH ST, RYAN, IA 52330-7732 |
The 2025 property tax bill for 524 Union St was $4,040, up 23.2% 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 | $255,100 (-) Land $15,800 Building $239,300 | $255,100 (-) Land $15,800 Building $239,300 | |
| 2025 | $4,040.00 (+23.17%) | $255,100 Land $15,800 Building $239,300 | $255,100 Land $15,800 Building $239,300 |
| 2024 | $3,280.00 | ||
| 2023 | $183,900 (+30.33%) Land $15,800 Building $168,100 | $183,900 Land $15,800 Building $168,100 | |
| 2022 | $2,812.00 | $141,100 Land $13,500 Building $127,600 | |
| 2021 | $141,100 Land $13,500 Building $127,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 Union St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 7, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 524 Union 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 | Direct burnable vegetation |
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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