607 1st Ave, Floyd, IA 50435 Property Records

Floyd County property record for 607 1st Ave, Floyd, IA 50435

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1963
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Mar 2026)
Tax Bill	$980 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`071645600600`

Property Details

APN / Parcel Number

Primary APN	`071645600600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	150 sqft
Basement Area	1,120 sqft
Finished Basement	200 sqft
Unfinished Basement	920 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	607 1ST AVE
City	FLOYD
State	IA
Zip	50435-5006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 X 4 RDS LT 8 SE16- 96-16
Legal Range	16W
Legal Township	96N
Legal Section	16
Legal Lot Number	8
Jurisdiction	FLOYD IA
Township / Civil Division	FLOYD
Census Block Group	1
Census Block	1059
Census Tract	480100

Owner

607 1st Ave is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	607 1ST AVE, FLOYD, IA 50435-5006
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Oct 24, 2025	Deed of Trust, Mortgage · Closed-End Mortgage THE HOME TRUST & SAVINGS BANK
Dec 19, 2023	Deed of Trust, Mortgage · Line of Credit THE HOME TRUST & SAVINGS BANK
Oct 10, 2022	Deed of Trust, Mortgage · Line of Credit HOME TRUST & SAVINGS BANK
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2026 · Amount on File
Deed Sale	Mar 6, 2026 · Amount on File
Prior Sale	Dec 19, 2023 · Amount on File
Deed Document Number	2026528
Deed Book / Page	2026 / 528
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLOYD IA
Property Address	607 1ST AVE, FLOYD, IA 50435-5006
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2171 180TH ST, CHARLES CITY, IA 50616-9114

Mortgage

Document Number	02025/2104
Date	Oct 24, 2025
Book Page	2025/2104
Instrument	2025 2104

Lender

Name	THE HOME TRUST & SAVINGS BANK
Type	Bank
Address	OSAGE, IA 50461

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLOYD IA
Property Address	607 1ST AVE, FLOYD, IA 50435-5006
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2805 ECHO AVE, MARBLE ROCK, IA 50653-9668

Mortgage

Document Number	02023/2473
Date	Dec 19, 2023
Book Page	2023/2473
Instrument	2023 2473

Lender

Name	THE HOME TRUST & SAVINGS BANK
Type	Bank
Address	OSAGE, IA 50461

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLOYD IA
Property Address	607 1ST AVE, FLOYD, IA 50435-5006
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2239
Date	Oct 10, 2022
Book Page	2022/2239
Instrument	2022 2239

Lender

Name	HOME TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLOYD IA
Property Address	607 1ST AVE, FLOYD, IA 50435-5006
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1257
Date	Jun 16, 2020
Book Page	2020/1257
Instrument	2020 1257

Lender

Name	HOME TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 607 1st Ave was $980.

Source: Floyd County assessment roll, as of January 13, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Floyd County
Municipality	Floyd City
Unified School District	Charles City Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$980.00	$70,680 (-) Land $6,600 Building $64,080	$70,680 (-) Land $6,600 Building $64,080
2025	$980.00	$70,680 Land $6,600 Building $64,080	$70,680 Land $6,600 Building $64,080
2023		$92,690 (+6.16%) Land $6,600 Building $86,090	$92,690 Land $6,600 Building $86,090
2022	$1,486.00	$87,310 Land $6,600 Building $80,710
2021			$87,310 Land $6,600 Building $80,710

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

Flood

FEMA maps place 607 1st Ave 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 June 18, 2020 · 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	7 in force
Nearby Flood Claims	5 (2004–2008)
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 4 claims

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 607 1st Ave is low, with 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 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	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.

Drinking Water

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

Water System	FLOYD MUNI WATER SUPPLY serves 313 people · EPA ID IA3414044
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	10 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Di(2-ethylhexyl) phthalate resolved · Oct 2019
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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
OmniTel-Interstate Cablevision Fiber	8,000 / 8,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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