706 Main St, Collins, IA 50055 Property Records

Story County property record for 706 Main St, Collins, IA 50055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,196 sqft · built 1977
Lot Size	0.293 acres (12,750 sqft)
Owner	2 Individual Names on File
Last Sale	$173,500 (Jul 2021)
Tax Bill	$3,130 (2025)
Deeds & Mortgages	May 2006 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-21-115-105`

Property Details

APN / Parcel Number

Primary APN	`16-21-115-105`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Wood
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	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	706 MAIN ST
City	COLLINS
State	IA
Zip	50055-1003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAULKINS 1ST ADD LOT:2 COLLINS
Legal Range	21W
Legal Township	82N
Legal Section	21
Legal Subdivision	CAULKINS 1ST ADD
Legal Lot Number	2
Jurisdiction	STORY IA
Township / Civil Division	COLLINS
Census Block Group	2
Census Block	2114
Census Tract	10200

Owner

706 Main St is owned and occupied by two individuals who bought it in July 2021.

Source: Story County records, as of September 1, 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	706 MAIN ST, COLLINS, IA 50055-1003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2006	Deed of Trust, Mortgage BANK OF THE WEST
Jul 29, 2021	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
Sep 29, 2015	Special Warranty Deed, Transfer WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2021 · Amount on File
Deed Sale	Jul 29, 2021 · Amount on File
Prior Sale	Sep 11, 2014 · Amount on File
Deed Document Number	20219755
Prior Transfer Date	Dec 29, 2009
Prior Transfer Doc	0000015412
Record Updated	Oct 29, 2026

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	706 MAIN ST, COLLINS, IA 50055-1003
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200600005897
Date	May 24, 2006
Instrument	2006-00005897

Lender

Name	BANK OF THE WEST
Type	Bank
Address	ANKENY, IA 50021

Agreement

Amount	Amount on Record
Term	144 Months
Due	May 15, 2018

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Jul 29, 2021
Property Address	706 MAIN ST, COLLINS, IA 50055-1003
Document Number	0202109755
Instrument Date	Jul 16, 2021
Instrument	2021-09755
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	$276.80
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	706 MAIN ST, COLLINS, IA 50055-1003

Mortgage

Document Number	0202109756
Date	Jul 29, 2021
Instrument	2021-09756

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

September 2015: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	STORY IA
Recording Date	Sep 29, 2015
Property Address	706 MAIN ST, COLLINS, IA 50055-1003
Document Number	201500009494
Instrument Date	Sep 15, 2015
Instrument	2015-00009494
Transaction Type	Transfer
Record Updated	Oct 10, 2023

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
Address	14870 US HIGHWAY 65, ZEARING, IA 50278-8548

Mortgage

Document Number	201500009495
Date	Sep 29, 2015
Instrument	2015-00009495

Lender

Name	WEST BANK
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Amount	Amount on Record
Term	60 Months
Due	Sep 25, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 706 Main St was $3,130, down 1.9% 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	$3,130.00 (-1.94%)	$188,800 Land $17,300 Building $171,500	$188,800 Land $17,300 Building $171,500
2024	$3,192.00
2023		$180,300 Land $15,200 Building $165,100	$180,300 Land $15,200 Building $165,100
2022	$2,762.00

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

Flood

FEMA maps place 706 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 706 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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