609 N Elm St, Creston, IA 50801 Property Records

Union County property record for 609 N Elm St, Creston, IA 50801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1913
Lot Size	0.16 acres (6,960 sqft)
Owner	Individual Name on File
Last Sale	$97,000 (May 2022)
Tax Bill	$1,586 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0501403003`

Property Details

APN / Parcel Number

Primary APN	`0501403003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Finished Basement	400 sqft
Unfinished Basement	312 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,960 sqft (0.16 acres)
Lot Dimensions	120 ft deep x 58 ft wide
Garage Type	Detached
Garage Area	198 sqft
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	609 N ELM ST
City	CRESTON
State	IA
Zip	50801-2330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2ND NORTHERN BLK 2 LOT 11 & S 3 FT LOT 12
Legal Subdivision	SECOND NORTHERN ADDITION
Legal Block	2
Legal Lot Number	11,12
Jurisdiction	UNION IA
Township / Civil Division	CRESTON
Census Block Group	5
Census Block	5007
Census Tract	190400

Owner

609 N Elm St is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	609 N ELM ST, CRESTON, IA 50801-2330
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
Jul 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
May 5, 2022	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP
Jul 8, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage PCSB BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2022 · Amount on File
Deed Sale	May 5, 2022 · Amount on File
Prior Sale	Jul 8, 2019 · Amount on File
Deed Document Number	2022878
Deed Book / Page	1281 / 61
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	609 N ELM ST, CRESTON, IA 50801-2330
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001256/42
Date	Jul 15, 2021
Book Page	1256/42
Instrument	2021-00001530

Lender

Name	AMERICAN FINANCING CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION IA
Recording Date	May 5, 2022
Property Address	609 N ELM ST, CRESTON, IA 50801-2330
Document Number	0001281/61
Book / Page	1281 / 61
Instrument Date	Apr 26, 2022
Instrument	2022-00000878
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$154.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 N ELM ST, CRESTON, IA 50801-2330

Mortgage

Document Number	0001281/63
Date	May 5, 2022
Book Page	1281/63
Instrument	2022-00000879

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION IA
Recording Date	Jul 8, 2019
Property Address	609 N ELM ST, CRESTON, IA 50801-2330
Document Number	001201/223
Book / Page	1201 / 223
Instrument Date	Jul 8, 2019
Instrument	1247
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 N ELM ST, CRESTON, IA 50801-2330

Mortgage

Document Number	0000001248
Date	Jul 8, 2019
Instrument	1248

Lender

Name	PCSB BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	001201/223
Date	Jul 8, 2019
Book Page	1201/223
Instrument	1247

Lender

Name	PCSB BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 609 N Elm St was $1,586 with a homeowner's exemption, up 0.6% from the year before.

Source: Union County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$106,040 (-) Land $8,700 Building $97,340	$106,040 (-) Land $8,700 Building $97,340
2025	$1,586.00 (+0.63%) Homeowner's exemption	$106,040 Land $8,700 Building $97,340	$106,040 Land $8,700 Building $97,340
2024	$1,576.00
2023		$87,500 Land $9,310 Building $78,190	$87,500 Land $9,310 Building $78,190
2022	$1,820.00

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

Flood

FEMA maps place 609 N Elm 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 May 31, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	9 (1981–2026)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 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

The area around 609 N Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	CRESTON WATER SUPPLY serves 7,536 people · EPA ID IA8816089
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	7 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Treatment Techniques Jun 2018
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 479 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
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Lockridge Networks Fixed Wireless	100 / 20

May also be available: Nextlink, OmniTel-Interstate Cablevision.

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