537 5th St, Ashton, IA 51232 Property Records

Osceola County property record for 537 5th St, Ashton, IA 51232

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,525 sqft · built 1962
Lot Size	0.265 acres (11,550 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,056 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`260011802000`

Property Details

APN / Parcel Number

Primary APN	`260011802000`
Alternative APN	`000000011802000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Building Area	1,525 sqft Living Area
1st Floor Area	1,525 sqft
Basement Area	1,525 sqft
Finished Basement	812 sqft
Unfinished Basement	713 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Split Foyer
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,550 sqft (0.265 acres)
Lot Dimensions	150 ft deep x 66 ft wide
Deck Area	315 sqft
Patio Area	315 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Street Address	537 5TH ST
City	ASHTON
State	IA
Zip	51232-7705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 & W 11' LOT 3 BLK 18 FIRST ADDITION
Legal Subdivision	FIRST ADDITION
Legal Block	18
Legal Lot Number	2,3
Jurisdiction	OSCEOLA IA
Township / Civil Division	GILMAN
Census Block Group	3
Census Block	3082
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	537 5TH ST, ASHTON, IA 51232-7705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA IA
Property Address	537 5TH ST, ASHTON, IA 51232-7705
Transaction Type	Mortgage
Record Updated	Apr 9, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5, ASHTON, IA 51232-0005

Mortgage

Document Number	002026/322
Date	Mar 24, 2026
Book Page	2026/322
Instrument	20260322

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA IA
Property Address	537 5TH ST, ASHTON, IA 51232-7705
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/506
Date	May 5, 2020
Book Page	2020/506
Instrument	20200506

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2030

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA IA
Property Address	537 5TH ST, ASHTON, IA 51232-7705
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1327
Date	Sep 2, 2021
Book Page	2021/1327
Instrument	20211327

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2051

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA IA
Property Address	537 5TH ST, ASHTON, IA 51232-7705
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/956
Date	Aug 7, 2020
Book Page	2020/956
Instrument	20200956

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

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	$2,056.00 Homeowner's exemption	$131,310 (+6.5%) Land $6,930 Building $124,380	$131,310 (+6.5%) Land $6,930 Building $124,380
2024	$2,056.00 (+37.43%)
2023		$123,290 Land $6,930 Building $116,360	$123,290 Land $6,930 Building $116,360
2022	$1,496.00

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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