528 5th St, Ashton, IA 51232 Property Records

Osceola County property record for 528 5th St, Ashton, IA 51232

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,618 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$63,500 (Jul 2007)
Tax Bill	$1,332 (2025)
Deeds & Mortgages	Nov 2015 Mortgage Jul 2007 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`260010810000`

Property Details

APN / Parcel Number

Primary APN	`260010810000`
Alternative APN	`000000010810000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,618 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	783 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	344 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	528 5TH ST
City	ASHTON
State	IA
Zip	51232-7706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLK 8 ORIGINAL
Legal Subdivision	IN THE TOWN NOW CITY OF ASHTON
Legal Block	8
Legal Lot Number	10
Jurisdiction	OSCEOLA IA
Township / Civil Division	GILMAN
Census Block Group	3
Census Block	3105
Census Tract	460200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	528 5TH ST, ASHTON, IA 51232-7706
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2015	Deed of Trust, Mortgage · Conventional Mortgage ASHTON STATE BANK
Jul 17, 2007	Deed of Trust, Mortgage · Conventional Mortgage IOWA BANKERS MORTGAGE CORP
Dec 30, 2009	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK
Apr 18, 2013	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 9, 2025	Intrafamily Transfer, Transfer
Sep 9, 2025	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2007 · Amount on Record
Deed Sale	Jul 17, 2007 · Amount on Record
Deed Document Number	20071045
Deed Book / Page	2007 / 45
Last Transfer Date	Sep 9, 2025
Transfer Doc	0000000884
Record Updated	Sep 20, 2026

November 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA IA
Property Address	528 5TH ST, ASHTON, IA 51232-7706
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02015/1469
Date	Nov 18, 2015
Book Page	2015/1469
Instrument	20151469

Lender

Name	ASHTON STATE BANK
Address	ASHTON, IA 51232

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 5, 2020

July 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA IA
Property Address	528 5TH ST, ASHTON, IA 51232-7706
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002007/046
Date	Jul 17, 2007
Book Page	2007/046
Instrument	200701046

Lender

Name	IOWA BANKERS MORTGAGE CORP
Address	JOHNSTON, IA 50131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2037

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA IA
Property Address	528 5TH ST, ASHTON, IA 51232-7706
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002009/754
Date	Dec 30, 2009
Book Page	2009/754
Instrument	200901754

Lender

Name	CITIZENS STATE BANK
Type	Bank
Address	SHELDON, IA 51201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Jun 15, 2012

April 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA IA
Property Address	528 5TH ST, ASHTON, IA 51232-7706
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002013/456
Date	Apr 18, 2013
Book Page	2013/456
Instrument	201300456

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2028

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA IA
Recording Date	Sep 9, 2025
Property Address	528 5TH ST, ASHTON, IA 51232-7706
Document Number	002025/887
Book / Page	2025 / 887
Instrument Date	Sep 5, 2025
Instrument	20250887
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	528 5TH ST, ASHTON, IA 51232-7706

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	528 5TH ST, ASHTON, IA 51232-7706

September 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	OSCEOLA IA
Recording Date	Sep 9, 2025
Property Address	528 5TH ST, ASHTON, IA 51232-7706
Document Number	002025/884
Book / Page	2025 / 884
Instrument Date	Sep 5, 2025
Instrument	20250884
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 5TH ST, ASHTON, IA 51232-7706

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Ashton City
County	Osceola County
Unified School District	Sheldon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,332.00 Homeowner's exemption	$101,290 (+10.24%) Land $6,120 Building $95,170	$101,290 (+10.24%) Land $6,120 Building $95,170
2024	$1,332.00 (+12.12%)
2023		$91,880 Land $6,120 Building $85,760	$91,880 Land $6,120 Building $85,760
2022	$1,188.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 4, 2021 · 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	1 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes

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

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	ASHTON MUNICIPAL WATER DEPARTMENT serves 456 people · EPA ID IA7209069
Water Source	Purchased groundwater from OSCEOLA RURAL WATER SYSTEM-NORTH
Last State Inspection	Feb 2026
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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Cable · Fiber in parts of the area	1,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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