704 Main St, Collins, IA 50055 Property Records

Story County property record for 704 Main St, Collins, IA 50055

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,164 sqft · built 1977
Lot Size	0.293 acres (12,750 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Nov 2015)
Tax Bill	$3,144 (2025)
Deeds & Mortgages	Oct 2007 Mortgage Sep 2005 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`16-21-115-110`

Property Details

APN / Parcel Number

Primary APN	`16-21-115-110`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,164 sqft Living Area
1st Floor Area	1,164 sqft
Basement Area	1,164 sqft
Finished Basement	420 sqft
Unfinished Basement	744 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,750 sqft (0.293 acres)
Lot Dimensions	150 ft deep x 85 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	187 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	704 MAIN ST
City	COLLINS
State	IA
Zip	50055-1003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAULKINS 1ST ADD LOT:3 COLLINS
Legal Range	21W
Legal Township	82N
Legal Section	21
Legal Subdivision	CAULKINS 1ST ADD
Legal Lot Number	3
Jurisdiction	STORY IA
Township / Civil Division	COLLINS
Census Block Group	2
Census Block	2114
Census Tract	10200

Owner

704 Main St is owned and occupied by two individuals who acquired it in March 2021.

Source: Story County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	704 MAIN ST, COLLINS, IA 50055-1003
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
Oct 8, 2007	Deed of Trust, Mortgage CITIFINANCIAL INC
Sep 6, 2005	Legal Action/Court Order, Foreclosure · FHA Mortgage COUNTRYWIDE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2015 · Amount on File
Deed Sale	Nov 20, 2015 · Amount on File
Prior Sale	Oct 24, 2013 · Amount on File
Deed Document Number	201511543
Last Transfer Date	Mar 1, 2021
Transfer Doc	0000002636
Record Updated	Oct 29, 2026

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	704 MAIN ST, COLLINS, IA 50055-1003
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200700011779
Date	Oct 8, 2007
Instrument	2007-00011779

Lender

Name	CITIFINANCIAL INC
Type	Subprime Lender
Address	ALTOONA, IA 50009

Agreement

Amount	Amount on Record
Term	181 Months
Due	Nov 20, 2022

September 2005: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	STORY IA
Recording Date	Sep 6, 2005
Property Address	704 MAIN ST, COLLINS, IA 50055-1003
Document Number	200500011086
Instrument Date	Aug 30, 2005
Instrument	2005-00011086
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.80
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	704 MAIN ST, COLLINS, IA 50055-1003

Mortgage

Document Number	200500011087
Date	Sep 6, 2005
Instrument	2005-00011087

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 704 Main St was $3,144, down 2.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,144.00 (-2.12%)	$189,700 Land $17,300 Building $172,400	$189,700 Land $17,300 Building $172,400
2024	$3,212.00
2023		$181,400 Land $15,200 Building $166,200	$181,400 Land $15,200 Building $166,200
2022	$3,050.00

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

Flood

FEMA maps place 704 Main 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 25, 2026 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2010–2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2013 · Severe Storms, Tornadoes, And Flooding

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 704 Main St is low, with less than 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 97% of the US · lower than 76% 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	COLLINS WATER SUPPLY serves 505 people · EPA ID IA8515060
Water Source	Purchased groundwater from IA REGIONAL UTILITIES ASSOC (WAVERLY)
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023–2025) 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 61 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
Colo Telephone Company Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20

May also be available: Nextlink.

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