903 E Monroe St, Mount Ayr, IA 50854 Property Records

Ringgold County property record for 903 E Monroe St, Mount Ayr, IA 50854

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,328 sqft · built 1976
Lot Size	0.27 acres (11,780 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Sep 2026)
Tax Bill	$4,250 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Feb 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`005916`

Property Details

APN / Parcel Number

Primary APN	`005916`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,328 sqft Base Area
1st Floor Area	1,328 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Frame
Roof Material	Asphalt
Lot Area	11,780 sqft (0.27 acres)
Lot Dimensions	124 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	903 E MONROE ST
City	MOUNT AYR
State	IA
Zip	50854-2237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 86' OF LOT 42 & W 9' LOT 19 KIRBY'S ADD
Legal Subdivision	KIRBY S ADDITION
Legal Lot Number	19,42
Jurisdiction	RINGGOLD IA
Township / Civil Division	MOUNT AYR
Census Block Group	2
Census Block	2089
Census Tract	950200

Owner

903 E Monroe St is owned and occupied by an individual who bought it in September 2026.

Source: Ringgold County records, as of October 14, 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	Individual Name on File
Mailing Address	903 E MONROE ST, MOUNT AYR, IA 50854-2237
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Warranty Deed, Transfer · VA Mortgage COMMUNITY FIRST CREDIT UNION
Feb 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITY STATE BANK
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESERVICES LENDING LLC
Mar 18, 2022	Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2026 · Amount on File
Deed Sale	Sep 8, 2026 · Amount on File
Prior Sale	Mar 18, 2022 · Amount on File
Deed Document Number	20261134
Deed Book / Page	618 / 142
Prior Transfer Date	Jun 3, 2015
Prior Transfer Doc	00426/0001
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RINGGOLD IA
Recording Date	Sep 8, 2026
Property Address	903 E MONROE ST, MOUNT AYR, IA 50854-2237
Document Number	0000001134
Book / Page	618 / 142
Instrument Date	Aug 28, 2026
Instrument	20261134
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount 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	903 E MONROE ST, MOUNT AYR, IA 50854-2237

Mortgage

Document Number	0000001135,
Date	Sep 8, 2026
Book Page	618/144
Instrument	20261135

Lender

Name	COMMUNITY FIRST CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RINGGOLD IA
Property Address	903 E MONROE ST, MOUNT AYR, IA 50854-2237
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000494/130
Date	Feb 13, 2020
Book Page	494/130
Instrument	154

Lender

Name	CITY STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RINGGOLD IA
Property Address	903 E MONROE ST, MOUNT AYR, IA 50854-2237
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000509/334
Date	Oct 9, 2020
Book Page	509/334
Instrument	2020-00001439

Lender

Name	HOMESERVICES LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	RINGGOLD IA
Recording Date	Mar 18, 2022
Property Address	903 E MONROE ST, MOUNT AYR, IA 50854-2237
Document Number	0000542/73
Book / Page	542 / 73
Instrument Date	Feb 23, 2022
Instrument	2022- 00000381
Transaction Type	Transfer
Record Updated	Oct 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$336.80
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	903 E MONROE ST, MOUNT AYR, IA 50854-2237

Mortgage

Document Number	0000542/77
Date	Mar 18, 2022
Book Page	542/77
Instrument	2022- 00000383

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2037

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 903 E Monroe St was $4,250, up 0.1% from the year before.

Source: Ringgold County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Ringgold County
Municipality	Mount Ayr City
Unified School District	Mount Ayr Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,250.00 (+0.14%)	$246,357 Land $13,965 Building $232,392	$246,357 Land $13,965 Building $232,392
2024	$4,244.00
2023		$212,531 (+3.4%) Land $13,034 Building $199,497	$212,531 Land $13,034 Building $199,497
2022	$4,634.00 Homeowner's exemption	$205,549 Land $13,034 Building $192,515
2021			$205,549 Land $13,034 Building $192,515

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

Flood

FEMA maps place 903 E Monroe St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 17, 2017

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

Wildfire risk around 903 E Monroe 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	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	MOUNT AYR WATER TREATMENT PLANT serves 1,683 people · EPA ID IA8055014
Water Source	Purchased surface water from SIRWA #2 (CRESTON)
Last State Inspection	Mar 2025
Lead	2 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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	200 / 20
Lockridge Networks Fixed Wireless	100 / 20

May also be available: Nextlink.

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