707 Circle Dr, Rudd, IA 50471 Property Records

Floyd County property record for 707 Circle Dr, Rudd, IA 50471

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,528 sqft · built 1960
Lot Size	0.466 acres (20,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$68,000 (May 2025)
Tax Bill	$1,326 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`052422600500`

Property Details

APN / Parcel Number

Primary APN	`052422600500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,528 sqft Living Area
1st Floor Area	1,528 sqft
Basement Area	1,528 sqft
Unfinished Basement	1,528 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,300 sqft (0.466 acres)
Lot Dimensions	145 ft deep x 140 ft wide
Garage Type	Mixed
Garage Area	976 sqft
Parking Spaces	4 Parking Spaces
Patio Area	140 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	707 CIRCLE DR
City	RUDD
State	IA
Zip	50471-5023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S117' W72.94' LT3& P T LT4 NE NE24-96-18
Legal Range	18W
Legal Township	96N
Legal Section	24
Legal Lot Number	3,4
Jurisdiction	FLOYD IA
Township / Civil Division	RUDD
Census Block Group	1
Census Block	1106
Census Tract	480200

Owner

Source: Floyd 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	644 DECKER ST, RUDD, IA 50471-5001
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Line of Credit FIRST SECURE BANK AND TRUST COMPANY
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK & TRUST CO
Nov 8, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST SECURITY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2025 · Amount on Record
Deed Sale	May 1, 2025 · Amount on Record
Prior Sale	Nov 8, 2019 · Amount on Record
Deed Document Number	2025883
Deed Book / Page	2025 / 883
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLOYD IA
Recording Date	Jun 1, 2026
Property Address	707 CIRCLE DR, RUDD, IA 50471-5023
Document Number	0000001245
Book / Page	2026 / 1245
Instrument Date	May 26, 2026
Instrument	20261245
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 CIRCLE DR, RUDD, IA 50471-5023

Mortgage

Document Number	0000001245,
Date	Jun 1, 2026
Book Page	2026/1245
Instrument	20261245

Lender

Name	FIRST SECURE BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLOYD IA
Property Address	707 CIRCLE DR, RUDD, IA 50471-5023
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1994
Date	Aug 17, 2021
Book Page	2021/1994
Instrument	2021 1994

Lender

Name	FIRST SECURITY BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2051

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLOYD IA
Recording Date	Nov 8, 2019
Property Address	707 CIRCLE DR, RUDD, IA 50471-5023
Document Number	02019/2488
Book / Page	2019 / 2488
Instrument Date	Oct 30, 2019
Instrument	2488
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 CIRCLE DR, RUDD, IA 50471-5023

Mortgage

Document Number	02019/2489
Date	Nov 8, 2019
Book Page	2019/2489
Instrument	2489

Lender

Name	FIRST SECURITY BANK & TRUST CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Floyd County assessment roll, as of January 13, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Floyd County
Municipality	Rudd City
Unified School District	Rudd-Rockford-Marble Rock Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,326.00	$90,510 (-) Land $14,420 Building $76,090	$90,510 (-) Land $14,420 Building $76,090
2025	$1,326.00 (+4.91%)	$90,510 (+6%) Land $14,420 Building $76,090	$90,510 (+6%) Land $14,420 Building $76,090
2023		$85,390 (+11.48%) Land $14,420 Building $70,970	$85,390 (+11.48%) Land $14,420 Building $70,970
2022	$1,264.00	$76,600 Land $14,420 Building $62,180
2021			$76,600 Land $14,420 Building $62,180

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 June 18, 2020

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

Values are read at the parcel center point; 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	RUDD WATERWORKS serves 358 people · EPA ID IA3440007
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	1 ppb (2021–2023) 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
OmniTel-Interstate Cablevision Fiber	8,000 / 8,000
Verizon Fixed Wireless	300 / 20
Router12 Networks Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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