643 E 12th St, Carroll, IA 51401 Property Records

Carroll County property record for 643 E 12th St, Carroll, IA 51401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 1971
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jun 2026)
Tax Bill	$1,278 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0719179027`

Property Details

APN / Parcel Number

Primary APN	`0719179027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Basement Area	1,008 sqft
Finished Basement	850 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	643 E 12TH ST
City	CARROLL
State	IA
Zip	51401-2609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THOMAS SECOND ADDN SUBD OF OUTLOT A BLOCK 6 LOT 4
Legal Subdivision	THOMAS SECOND ADDN
Legal Block	6
Legal Lot Number	4
Jurisdiction	CARROLL IA
Township / Civil Division	CARROLL
Census Block Group	2
Census Block	2011
Census Tract	960300

Owner

Source: Carroll County records, as of July 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	21242 HIGHWAY 71, CARROLL, IA 51401-9119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Deed Document Number	20261735
Record Updated	Sep 20, 2026

June 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	CARROLL IA
Recording Date	Jun 22, 2026
Property Address	643 E 12TH ST, CARROLL, IA 51401-2609
Document Number	0000001735
Instrument Date	Jun 22, 2026
Instrument	20261735
Transaction Type	Transfer
Record Updated	Jul 8, 2026
Title Company	TITLE SECURITY INC, SECURITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,199.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21242 HIGHWAY 71, CARROLL, IA 51401-9119

Mortgage

Document Number	0000001736,
Date	Jun 22, 2026
Instrument	20261736

Lender

Name	COMMERCIAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$152,630 (-) Land $24,640 Building $127,990	$152,630 (-) Land $24,640 Building $127,990
2025	$1,278.00 (+14.11%) Homeowner's exemption	$152,630 (+12.52%) Land $24,640 Building $127,990	$152,630 (+12.52%) Land $24,640 Building $127,990
2023		$135,650 (+7.64%) Land $24,640 Building $111,010	$135,650 (+7.64%) Land $24,640 Building $111,010
2022		$126,020 Land $21,120 Building $104,900
2021			$126,020 Land $21,120 Building $104,900
2018	$1,120.00

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 September 15, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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	CARROLL MUNICIPAL WATER SUPPLY serves 10,321 people · EPA ID IA1415072
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	8 ppb (2021–2023) 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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BTC Fiber	2,000 / 2,000
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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