809 S 4th Ave, Rock Rapids, IA 51246 Property Records

Lyon County property record for 809 S 4th Ave, Rock Rapids, IA 51246

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,896 sqft · built 1920
Lot Size	0.378 acres (16,500 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Apr 2008)
Tax Bill	$3,210 (2024)
Deeds & Mortgages	Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`350000059700000`

Property Details

APN / Parcel Number

Primary APN	`350000059700000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,896 sqft Living Area
1st Floor Area	784 sqft
Basement Area	804 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,500 sqft (0.378 acres)
Lot Dimensions	110 ft deep x 150 ft wide
Garage Type	Detached
Garage Area	1,500 sqft
Parking Spaces	5 Parking Spaces
Porch	Enclosed Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	809 S 4TH AVE
City	ROCK RAPIDS
State	IA
Zip	51246-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SINGLE-FAMILY DWELLINGS
Legal Description	BRADLEYS LOT 7 & 8 EXC N 10' OF LOT 8, BLK 1
Legal Block	1
Legal Lot Number	7,8
Jurisdiction	LYON IA
Township / Civil Division	ROCK
Census Block Group	4
Census Block	4032
Census Tract	950200

Owner

Source: Lyon County records, as of October 9, 2025

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	Individual Name on Record
Mailing Address	809 S 4TH AVE, ROCK RAPIDS, IA 51246-1317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2008 · Amount on Record
Deed Sale	Apr 21, 2008 · Amount on Record
Deed Document Number	2008 1062
Deed Book / Page	2008 / 1062
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON IA
Property Address	809 S 4TH AVE, ROCK RAPIDS, IA 51246-1317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/0984
Date	Apr 20, 2017
Book Page	2017/0984
Instrument	2017 0984

Lender

Name	PEOPLES BANK
Type	Bank
Address	SIOUX CENTER, IA 51250

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 11, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lyon County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Lyon County
Municipality	Rock Rapids City
Unified School District	Central Lyon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$218,370 (+12.63%) Land $43,390 Building $174,980	$218,370 (+12.63%) Land $43,390 Building $174,980
2024	$3,210.00 (+55.52%)
2023		$193,890 (+57.35%) Land $43,390 Building $150,500	$193,890 (+22.36%) Land $43,390 Building $150,500
2022	$2,064.00	$123,220 Land $43,390 Building $79,830
2021			$158,460

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 September 23, 2021 · 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
Nearby Flood Policies	4 in force
Nearby Flood Claims	21 (1993–2024)
Claims Outside the SFHA	4 of 21
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 14 claims Severe Storms & Flooding, Jul 1993 · 4 claims

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	Not rated no burnable land within 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	LYON-SIOUX RWS-ROCK RAPIDS private · serves 1,187 people · EPA ID IA6000800
Water Source	Purchased groundwater from several systems
Last State Inspection	Oct 2024
Lead	2 ppb (2022–2024) 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 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Fiber · Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20