Crawford County property record for 862 3rd St, Charter Oak, IA 51439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,296 sqft · built 1960 |
| Lot Size | 0.239 acres (10,411 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $40,000 (Nov 2002) |
| Tax Bill | $1,268 (2024) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0626129008 |
| Primary APN | 0626129008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| Basement Area | 1,296 sqft |
| Finished Basement | 576 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Shed Roof |
| Roof Material | Asphalt |
| Lot Area | 10,411 sqft (0.239 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 66 sqft |
| Patio Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 862 3RD ST |
|---|---|
| City | CHARTER OAK |
| State | IA |
| Zip | 51439-7443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHARTER OAK HARRISON'S ADDN BLK 1 LOT 1 & ST ADJ |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | CRAWFORD IA |
| Township / Civil Division | CHARTER OAK |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 70300 |
862 3rd St is owned and occupied by two individuals who bought it in November 2002.
Source: Crawford 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 862 3RD ST, CHARTER OAK, IA 51439-7443 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2002 · Amount on File |
| Deed Sale | Nov 6, 2002 · Amount on File |
| Deed Document Number | 0020024102 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAWFORD IA |
| Property Address | 862 3RD ST, CHARTER OAK, IA 51439-7443 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020210206 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 2021-0206 |
| Name | GREATER IOWA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 16, 2031 |
| Rate Type | Fixed Rate |
|---|
Source: Crawford County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Crawford County |
| Municipality | Charter Oak City |
| Unified School District | Charter Oak-Ute Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $86,040 Land $3,280 Building $82,760 | $86,040 Land $3,280 Building $82,760 | |
| 2024 | $1,268.00 | ||
| 2023 | $92,460 (+17.35%) Land $3,280 Building $89,180 | $92,460 Land $3,280 Building $89,180 | |
| 2022 | $1,400.00 Homeowner's exemption | $78,790 Land $2,240 Building $76,550 | |
| 2021 | $78,790 Land $2,240 Building $76,550 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 862 3rd St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 1, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 862 3rd 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 96% of the US · lower than 71% of Iowa |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHARTER OAK WATER SUPPLY serves 522 people · EPA ID IA2417018 |
|---|---|
| Water Source | Purchased groundwater from W CENTRAL RWA - DENISON SUBSYS |
| Last State Inspection | Jan 2026 |
| Lead | 3 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 90 / 5 |
May also be available: Nextlink, T-Mobile, Western Iowa Wireless.
5G (outdoors only) and 4G LTE
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