546 W Valley Dr, Eldridge, IA 52748 Property Records

Scott County property record for 546 W Valley Dr, Eldridge, IA 52748

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 992 sqft · built 2014
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$181,000 (Nov 2014)
Tax Bill	$2,778 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit May 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`931507607`

Property Details

APN / Parcel Number

Primary APN	`931507607`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	992 sqft Living Area
Basement Area	992 sqft
Unfinished Basement	992 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	111 ft deep x 74 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	113 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	546 W VALLEY DR
City	ELDRIDGE
State	IA
Zip	52748-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOW VIEW ESTATES 5TH ADD LOT: 007 MEADOW VIEW ESTATES5TH ADD
Legal Subdivision	MEADOW VIEW ESTATES 5TH ADD
Legal Lot Number	7
Jurisdiction	SCOTT IA
Township / Civil Division	SHERIDAN
Census Block Group	2
Census Block	2004
Census Tract	10201

Owner

546 W Valley Dr is owned and occupied by an individual who bought it in November 2014.

Source: Scott County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	546 W VALLEY DR, ELDRIDGE, IA 52748-1542
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
Feb 13, 2026	Deed of Trust, Mortgage · Line of Credit DUTRAC COMMUNITY CU
May 2, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage IH MISSISSIPPI VALLEY CU
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage IH MISSISSIPPI VALLEY CU
Jun 22, 2017	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2014 · Amount on File
Deed Sale	Nov 18, 2014 · Amount on File
Deed Document Number	201429344
Prior Transfer Date	Jun 24, 2014
Prior Transfer Doc	0000015775
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT IA
Property Address	546 W VALLEY DR, ELDRIDGE, IA 52748-1542
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 W VALLEY DR, ELDRIDGE, IA 52748-1542

Mortgage

Document Number	2026002801
Date	Feb 13, 2026
Instrument	2026-002801

Lender

Name	DUTRAC COMMUNITY CU
Type	Credit Union
Address	PO BOX 3250, DUBUQUE, IA 52004

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 12, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT IA
Property Address	546 W VALLEY DR, ELDRIDGE, IA 52748-1542
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300007110
Date	May 2, 2023
Instrument	202300007110

Lender

Name	IH MISSISSIPPI VALLEY CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	83 Months
Due	Apr 15, 2030

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT IA
Property Address	546 W VALLEY DR, ELDRIDGE, IA 52748-1542
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100031186
Date	Sep 9, 2021
Instrument	202100031186

Lender

Name	IH MISSISSIPPI VALLEY CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT IA
Property Address	546 W VALLEY DR, ELDRIDGE, IA 52748-1542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700016265
Date	Jun 22, 2017
Instrument	2017-00016265

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

Tax Assessment & Valuation

The 2026 property tax bill for 546 W Valley Dr was $2,778 with a homeowner's exemption.

Source: Scott County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Scott County
Municipality	Eldridge City
Unified School District	North Scott Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,778.00	$244,500 (-) Land $53,800 Building $190,700	$244,500 (-) Land $53,800 Building $190,700
2025	$2,778.00 (+4.04%) Homeowner's exemption	$244,500 Land $53,800 Building $190,700	$244,500 Land $53,800 Building $190,700
2024	$2,670.00
2023		$218,500 Land $37,200 Building $181,300	$218,500 Land $37,200 Building $181,300
2022	$2,744.00

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

Flood

FEMA maps place 546 W Valley Dr 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 April 18, 2024 · 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 Policies	2 in force
Nearby Flood Claims	4 (2010–2013)
Claims Outside the SFHA	4 of 4
Most Recent Claim	May 2013 · rainfall accumulation

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 546 W Valley Dr 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 99.8% of the US · lower than 98.1% 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	ELDRIDGE WATER SUPPLY serves 6,726 people · EPA ID IA8230008
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CentraCom Fiber	8,000 / 8,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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