103 Summer St SE, Shellsburg, IA 52332 Property Records

Benton County property record for 103 Summer St SE, Shellsburg, IA 52332

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,475 sqft · built 1870
Lot Size	0.382 acres (16,632 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Dec 2018)
Tax Bill	$1,866 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Oct 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19014400`

Property Details

APN / Parcel Number

Primary APN	`19014400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,475 sqft Living Area
1st Floor Area	624 sqft
Basement Area	414 sqft
Unfinished Basement	414 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,632 sqft (0.382 acres)
Lot Dimensions	132 ft deep x 126 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	34 sqft
Patio Area	184 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	103 SUMMER ST SE
City	SHELLSBURG
State	IA
Zip	52332-9735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E JONES ADD LOT 5 & 6 BLK 11
Legal Subdivision	JONES ADD SHELLSBURG
Legal Block	11
Legal Lot Number	5,6
Jurisdiction	BENTON IA
Township / Civil Division	SHELLSBURG
Census Block Group	2
Census Block	2093
Census Tract	960400

Owner

103 Summer St SE is owned and occupied by an individual who bought it in December 2018.

Source: Benton County records, as of October 20, 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	103 SUMMER ST SE, SHELLSBURG, IA 52332-9735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2023	Deed of Trust, Mortgage · Closed-End Mortgage CEDAR VALLEY BANK & TRUST
Oct 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK
Dec 21, 2018	Executor's Deed, Transfer · Stand-Alone First Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2018 · Amount on File
Deed Sale	Dec 21, 2018 · Amount on File
Deed Document Number	20182487
Deed Book / Page	18 / 2487
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IA
Property Address	103 SUMMER ST SE, SHELLSBURG, IA 52332-9735
Transaction Type	Mortgage
Record Updated	Jan 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SUMMER ST SE, SHELLSBURG, IA 52332-9735

Mortgage

Document Number	0000234481
Date	Dec 20, 2023
Instrument	23-4481

Lender

Name	CEDAR VALLEY BANK & TRUST
Type	Bank
Address	VINTON, IA 52349

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	72 Months
Due	Dec 19, 2029

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IA
Property Address	103 SUMMER ST SE, SHELLSBURG, IA 52332-9735
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	SECURITY FIRST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	192693
Date	Oct 17, 2019
Instrument	19-2693

Lender

Name	FARMERS STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

December 2018: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	BENTON IA
Recording Date	Dec 21, 2018
Property Address	103 SUMMER ST SE, SHELLSBURG, IA 52332-9735
Document Number	18/2487
Book / Page	18 / 2487
Instrument Date	Dec 7, 2018
Instrument	E18-2487
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 W 3RD ST, VINTON, IA 52349-1115

Mortgage

Document Number	00018/2488
Date	Dec 21, 2018
Book Page	18/2488
Instrument	E18-2488

Lender

Name	FARMERS STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 103 Summer St SE was $1,866 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Iowa
County	Benton County
Municipality	Shellsburg City
Unified School District	Vinton-Shellsburg Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,866.00	$124,800 (-) Land $26,800 Building $98,000	$124,800 (-) Land $26,800 Building $98,000
2025		$124,800 Land $26,800 Building $98,000	$124,800 Land $26,800 Building $98,000
2024	$1,882.00
2023		$112,400 (+20.73%) Land $26,800 Building $85,600	$112,400 Land $26,800 Building $85,600
2022	$1,674.00 Homeowner's exemption	$93,100 Land $21,400 Building $71,700
2021			$93,100 Land $21,400 Building $71,700

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

Flood

FEMA maps place 103 Summer St SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 22, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	Jun 2010 · river or lake flooding

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

Wildfire risk around 103 Summer St SE is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.02% 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	SHELLSBURG WATER SUPPLY serves 961 people · EPA ID IA0670043
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	3 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
USA Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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