612 S 2nd Ave E, Rock Rapids, IA 51246 Property Records

Lyon County property record for 612 S 2nd Ave E, Rock Rapids, IA 51246

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 1,664 sqft · built 1976
Lot Size	0.179 acres (7,797 sqft)
Owner	2 Individual Names on File
Last Sale	$173,000 (Aug 2021)
Tax Bill	$2,678 (2025)
Deeds & Mortgages	Aug 2021 Sale Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`350000116600000`

Property Details

APN / Parcel Number

Primary APN	`350000116600000`

Interior

Full Baths	4.5 Baths
Half Baths	3 Half Baths
Building Area	1,664 sqft Living Area
1st Floor Area	768 sqft
Basement Area	768 sqft
Finished Basement	480 sqft
Unfinished Basement	768 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,797 sqft (0.179 acres)
Lot Dimensions	113 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Deck Area	30 sqft
Patio Area	272 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	612 S 2ND AVE E
City	ROCK RAPIDS
State	IA
Zip	51246-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAM
Legal Description	EAST ROCK RAPIDS W 69' OF LOT 14 BLK 8
Legal Subdivision	EAST ROCK RAPIDS ADD
Legal Block	8
Legal Lot Number	14
Jurisdiction	LYON IA
Township / Civil Division	ROCK
Census Block Group	1
Census Block	1018
Census Tract	950200

Owner

Source: Lyon County records, as of August 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	612 S 2ND AVE E, ROCK RAPIDS, IA 51246-1714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Warranty Deed, Transfer
Jul 30, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2021 · Amount on File
Deed Sale	Aug 3, 2021 · Amount on File
Prior Sale	Jul 30, 2021 · Amount on File
Deed Document Number	20212426
Deed Book / Page	2021 / 2426
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Aug 3, 2021
Property Address	612 S 2ND AVE E, ROCK RAPIDS, IA 51246-1714
Document Number	02021/2426
Book / Page	2021 / 2426
Instrument Date	Jul 30, 2021
Instrument	2021 2426
Transaction Type	Transfer
Record Updated	Feb 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	612 S 2ND AVE E, ROCK RAPIDS, IA 51246-1714

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON IA
Recording Date	Jul 30, 2021
Property Address	612 S 2ND AVE E, ROCK RAPIDS, IA 51246-1714
Document Number	02021/2383
Book / Page	2021 / 2383
Instrument Date	Jul 30, 2021
Instrument	2021 2383
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	$276.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	612 S 2ND AVE E, ROCK RAPIDS, IA 51246-1714

Mortgage

Document Number	02021/2384
Date	Jul 30, 2021
Book Page	2021/2384
Instrument	2021 2384

Lender

Name	HOMEOWNERS FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Lyon County
Municipality	Rock Rapids City
Unified School District	Central Lyon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,678.00	$198,130 (+12.9%) Land $17,390 Building $180,740	$198,130 (+12.9%) Land $17,390 Building $180,740
2024	$2,678.00 (+16.84%)
2023		$175,490 (+28.31%) Land $17,390 Building $158,100	$175,490 (+28.31%) Land $17,390 Building $158,100
2022	$2,292.00 Homeowner's exemption	$136,770 Land $17,390 Building $119,380
2021			$136,770 Land $17,390 Building $119,380

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 September 23, 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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	41 (1993–2024)
Claims Outside the SFHA	8 of 41
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 8 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 24 claims Severe Storms & Flooding, Jul 1993 · 8 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

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	LYON-SIOUX RWS-ROCK RAPIDS private · serves 1,187 people · EPA ID IA6000800
Water Source	Purchased groundwater from several systems
Last State Inspection	Oct 2024
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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Fiber · Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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