707 Bluff St, Shelby, IA 51570 Property Records

Shelby County property record for 707 Bluff St, Shelby, IA 51570

Property Summary

Property Type	Apartments (5+ Units)
Details	3,400 sqft · built 1976
Lot Size	0.81 acres (35,283 sqft)
Owner	2 Individual Names on Record
Last Sale	$282,500 (Sep 2024)
Tax Bill	$2,616 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`832900001012`

Property Details

APN / Parcel Number

Primary APN	`832900001012`

Interior

Units	8 Units
Stories	2 Stories
Building Area	3,400 sqft Gross Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Vinyl
Construction Type	Frame
Roof Material	Shingle
Lot Area	35,283 sqft (0.81 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	707 BLUFF ST
City	SHELBY
State	IA
Zip	51570-3138
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	ORIGINAL TOWN W 1/2 LTS 1-8 BLK 1 & OL 3
Legal Subdivision	ORIGINAL TOWN OF SHELBY
Legal Block	1
Legal Lot Number	1-8
Jurisdiction	SHELBY IA
Township / Civil Division	SHELBY
Census Block Group	1
Census Block	1087
Census Tract	960200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	707 BLUFF ST, SHELBY, IA 51570-3138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Deed of Trust, Mortgage · Line of Credit EXCHANGE BANK
Jun 1, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2024 · Amount on Record
Deed Sale	Sep 30, 2024 · Amount on Record
Prior Sale	Jun 1, 2023 · Amount on Record
Deed Document Number	20241447
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	707 BLUFF ST, SHELBY, IA 51570-3138
Transaction Type	Mortgage
Record Updated	Nov 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 LAKE ST, COUNCIL BLUFFS, IA 51503-5154

Mortgage

Document Number	0020231548
Date	Sep 27, 2023
Instrument	2023-1548

Lender

Name	EXCHANGE BANK
Type	Bank
Address	OMAHA, NE 68114

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 30, 2053

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Jun 1, 2023
Property Address	707 BLUFF ST, SHELBY, IA 51570-3138
Document Number	0020230853
Instrument Date	May 30, 2023
Instrument	2023-0853
Transaction Type	Transfer
Record Updated	Aug 24, 2023

Transaction

Amount	Amount Recorded
Tax	$271.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 LAKE ST, COUNCIL BLUFFS, IA 51503-5154

Tax Assessment & Valuation

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	$2,616.00 (+35.83%)	$199,012 (+9.33%) Land $12,150 Building $186,862	$199,012 (+9.33%) Land $12,150 Building $186,862
2025		$182,025 (+45.16%) Land $12,150 Building $169,875	$182,025 (+45.16%) Land $12,150 Building $169,875
2024	$1,926.00 (+30.31%)
2023		$125,400 (+44.97%) Land $12,150 Building $113,250	$125,400 (+44.97%) Land $12,150 Building $113,250
2022	$1,478.00 (-12.96%)	$86,503 Land $12,135 Building $74,368
2021	$1,698.00		$86,503 Land $12,135 Building $74,368

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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