705 Spring St, Shelby, IA 51570 Property Records

Shelby County property record for 705 Spring St, Shelby, IA 51570

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,078 sqft · built 1895
Lot Size	0.25 acres (10,880 sqft)
Owner	Individual Name on File
Last Sale	$133,500 (Jan 2022)
Tax Bill	$1,704 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Mar 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`832900004052`

Property Details

APN / Parcel Number

Primary APN	`832900004052`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,078 sqft Living Area
1st Floor Area	400 sqft
Basement Area	200 sqft
Finished Basement	200 sqft
Unfinished Basement	200 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,880 sqft (0.25 acres)
Lot Dimensions	160 ft deep x 68 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	70 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	705 SPRING ST
City	SHELBY
State	IA
Zip	51570-3413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN E 68' LTS 5, 6, 7 & 8 BLK 4
Legal Subdivision	ORIGINAL TOWN OF SHELBY
Legal Block	4
Legal Lot Number	5-8
Jurisdiction	SHELBY IA
Township / Civil Division	SHELBY
Census Block Group	1
Census Block	1088
Census Tract	960200

Owner

705 Spring St is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	705 SPRING ST, SHELBY, IA 51570-3413
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
Jan 10, 2022	Warranty Deed, Transfer · Conventional Mortgage GATEWAY MORTGAGE CORP
Mar 20, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2022 · Amount on File
Deed Sale	Jan 10, 2022 · Amount on File
Prior Sale	May 31, 2016 · Amount on File
Deed Document Number	202261
Prior Transfer Date	Mar 16, 2017
Prior Transfer Doc	0020170494
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Jan 10, 2022
Property Address	705 SPRING ST, SHELBY, IA 51570-3413
Document Number	0020220061
Instrument Date	Jan 10, 2022
Instrument	2022-0061
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 SPRING ST, SHELBY, IA 51570-3413

Mortgage

Document Number	0020220062
Date	Jan 10, 2022
Instrument	2022-0062

Lender

Name	GATEWAY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHELBY IA
Recording Date	Mar 20, 2017
Property Address	705 SPRING ST, SHELBY, IA 51570-3413
Document Number	0020170494
Instrument Date	Mar 16, 2017
Instrument	2017-0494
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	705 SPRING ST, SHELBY, IA 51570-3413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 SPRING ST, SHELBY, IA 51570-3413

Tax Assessment & Valuation

The 2026 property tax bill for 705 Spring St was $1,704 with a homeowner's exemption, up 7.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,704.00 (+7.85%)	$129,474 (-) Land $11,118 Building $118,356	$129,474 (-) Land $11,118 Building $118,356
2025	$1,580.00 Homeowner's exemption	$129,474 Land $11,118 Building $118,356	$129,474 Land $11,118 Building $118,356
2024	$1,580.00
2023		$113,097 (+48.25%) Land $11,118 Building $101,979	$113,097 Land $11,118 Building $101,979
2022	$1,152.00	$76,288 Land $9,265 Building $67,023
2021			$76,288 Land $9,265 Building $67,023

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

Flood

FEMA maps place 705 Spring St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 16, 2015 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

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 705 Spring St is low, with 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	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	SHELBY WATER SUPPLY serves 727 people · EPA ID IA8369038
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2025) action level 15 ppb
Copper	1.5 mg/L (2019–2021) action level 1.3 mg/L

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 111 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
Marne & Elk Horn Telephone Company Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink, Western Iowa Wireless.

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