703 E 12th St, Vinton, IA 52349 Property Records

Benton County property record for 703 E 12th St, Vinton, IA 52349

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,026 sqft · built 1924
Lot Size	0.176 acres (7,656 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Sep 2020)
Tax Bill	$3,444 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`24087125`

Property Details

APN / Parcel Number

Primary APN	`24087125`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,026 sqft Living Area
1st Floor Area	912 sqft
Basement Area	456 sqft
Unfinished Basement	456 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,656 sqft (0.176 acres)
Lot Dimensions	132 ft deep x 58 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Deck Area	144 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	703 E 12TH ST
City	VINTON
State	IA
Zip	52349-2157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPAULDINGS ADD LOT 5 BLK 1
Legal Subdivision	SPAULDINGS
Legal Block	1
Legal Lot Number	5
Jurisdiction	BENTON IA
Township / Civil Division	VINTON
Census Block Group	3
Census Block	3139
Census Tract	960300

Owner

Source: Benton County records, as of October 20, 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	703 E 12TH ST, VINTON, IA 52349-2157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Sep 30, 2020	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2020 · Amount on File
Deed Sale	Sep 30, 2020 · Amount on File
Prior Sale	Jun 30, 2011 · Amount on File
Deed Document Number	20204354
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IA
Property Address	703 E 12TH ST, VINTON, IA 52349-2157
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 E 12TH ST, VINTON, IA 52349-2157

Mortgage

Document Number	0000234128
Date	Nov 22, 2023
Instrument	23-4128

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	MARION, IA 52302

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 24, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON IA
Recording Date	Sep 30, 2020
Property Address	703 E 12TH ST, VINTON, IA 52349-2157
Document Number	0000204354
Instrument Date	Sep 29, 2020
Instrument	20-4354
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	$239.20
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 with Right of Survivorship
Address	703 E 12TH ST, VINTON, IA 52349-2157

Mortgage

Document Number	0000204355
Date	Sep 30, 2020
Instrument	20-4355

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year CMT
Margin	4

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,444.00 (+4.68%)	$205,100 (-) Land $14,500 Building $190,600	$205,100 (-) Land $14,500 Building $190,600
2025		$205,100 (+10.39%) Land $14,500 Building $190,600	$205,100 (+10.39%) Land $14,500 Building $190,600
2024	$3,290.00 (+8.08%)
2023		$185,800 (+23.62%) Land $14,500 Building $171,300	$185,800 (+23.62%) Land $14,500 Building $171,300
2022	$3,044.00 Homeowner's exemption	$150,300 Land $11,600 Building $138,700
2021			$150,300 Land $11,600 Building $138,700

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 22, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	5 (2008–2016)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 3 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 80% of the US · above 49% of Iowa
Wildfire Likelihood	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	VINTON MUNICIPAL WATER DEPT serves 4,938 people · EPA ID IA0688053
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 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	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 382 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vinton Municipal Communications Utility Fiber · not low latency	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, USA Communications.

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