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

Ringgold County property record for 907 E Monroe St, Mount Ayr, IA 50854

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,452 sqft · built 1979
Lot Size	0.284 acres (12,400 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (May 2025)
Tax Bill	$3,006 (2024)
Deeds & Mortgages	Apr 2005 Mortgage Jun 2013 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`005697`

Property Details

APN / Parcel Number

Primary APN	`005697`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,452 sqft Base Area

Exterior

Year Built	Built 1979
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,400 sqft (0.284 acres)
Lot Dimensions	124 ft deep x 100 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	907 E MONROE ST
City	MOUNT AYR
State	IA
Zip	50854-2237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 45' LOT 16 & ALL LOT 17 KIRBY'S ADD
Legal Lot Number	16,17
Jurisdiction	RINGGOLD IA
Township / Civil Division	MOUNT AYR
Census Block Group	2
Census Block	2089
Census Tract	950200

Owner

Source: Ringgold County records, as of September 29, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	907 E MONROE ST, MOUNT AYR, IA 50854-2237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2005	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA ND
Jun 19, 2013	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 3, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Aug 10, 2015	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
May 22, 2009	Warranty Deed, Transfer · Conventional Mortgage EDWARD JONES MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2025 · Amount on Record
Deed Sale	May 31, 2025 · Amount on Record
Prior Sale	May 22, 2009 · Amount on Record
Deed Document Number	0000594259
Deed Book / Page	428 / 0192
Prior Transfer Date	Aug 10, 2015
Prior Transfer Doc	2015- 00000844
Record Updated	Sep 20, 2026

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RINGGOLD IA
Property Address	907 E MONROE ST, MOUNT AYR, IA 50854-2237
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00308/0349
Date	Apr 5, 2005
Book Page	308/0349
Instrument	2005- 00000445

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RINGGOLD IA
Property Address	907 E MONROE ST, MOUNT AYR, IA 50854-2237
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00396/0306
Date	Jun 19, 2013
Book Page	396/0306
Instrument	2013- 00000798

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2023

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RINGGOLD IA
Recording Date	Jun 3, 2025
Property Address	907 E MONROE ST, MOUNT AYR, IA 50854-2237
Document Number	000594/259
Book / Page	594 / 259
Instrument Date	May 31, 2025
Instrument	2025- 00000632
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 E MONROE ST, MOUNT AYR, IA 50854-2237

Mortgage

Document Number	202500000633
Date	Jun 3, 2025
Instrument	2025- 00000633

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Max Rate	11.8%

August 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RINGGOLD IA
Recording Date	Aug 10, 2015
Property Address	907 E MONROE ST, MOUNT AYR, IA 50854-2237
Document Number	00428/0192
Book / Page	428 / 0192
Instrument Date	Aug 5, 2015
Instrument	2015- 00000844
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 E MONROE ST, MOUNT AYR, IA 50854-2237

Mortgage

Document Number	201500000845
Date	Aug 10, 2015
Instrument	2015- 00000845

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2045

May 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RINGGOLD IA
Recording Date	May 22, 2009
Property Address	907 E MONROE ST, MOUNT AYR, IA 50854-2237
Document Number	00336/0516
Book / Page	336 / 0516
Instrument Date	May 22, 2009
Instrument	2009- 00000573
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 E MONROE ST, MOUNT AYR, IA 50854-2237

Mortgage

Document Number	200900000574
Date	May 22, 2009
Instrument	2009- 00000574

Lender

Name	EDWARD JONES MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2024

Tax Assessment & Valuation

Source: Ringgold County assessment roll, as of May 1, 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		$185,630 (+15.49%) Land $14,700 Building $170,930	$185,630 (+15.49%) Land $14,700 Building $170,930
2024	$3,006.00 (+6.07%)
2023		$160,739 (+19.44%) Land $13,720 Building $147,019	$160,739 (+19.44%) Land $13,720 Building $147,019
2022	$2,834.00 Homeowner's exemption	$134,575 Land $13,720 Building $120,855
2021			$134,575 Land $13,720 Building $120,855

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.03% 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 54 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	200 / 20
Lockridge Networks Fixed Wireless	100 / 20

May also be available: Nextlink.

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