104 Oak Dr, Denver, IA 50622 Property Records

Bremer County property record for 104 Oak Dr, Denver, IA 50622

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 1,537 sqft · built 2017
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on File
Tax Bill	$5,332 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-16-305-030`

Property Details

APN / Parcel Number

Primary APN	`10-16-305-030`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,537 sqft Living Area
Basement Area	1,537 sqft
Finished Basement	1,100 sqft
Unfinished Basement	437 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	44,431 sqft (1.02 acres)
Lot Dimensions	107 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	972 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	174 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	104 OAK DR
City	DENVER
State	IA
Zip	50622-1113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16-91-13 DENVER HILLS ADD PARCEL U
Legal Range	13W
Legal Township	91N
Legal Section	16
Legal Subdivision	DENVER HILLS
Jurisdiction	BREMER IA
Township / Civil Division	JEFFERSON
Census Block Group	1
Census Block	1012
Census Tract	4600

Owner

104 Oak Dr is owned and occupied by an individual.

Source: Bremer County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	104 OAK DR, DENVER, IA 50622-1113
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage DEERE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Recording Date	Jun 30, 2026
Property Address	104 OAK DR, DENVER, IA 50622-1113
Document Number	0000002038
Instrument Date	Jun 25, 2026
Instrument	20262038
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 OAK DR, DENVER, IA 50622-1113

Mortgage

Document Number	0000002038,
Date	Jun 30, 2026
Instrument	20262038

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 25, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	104 OAK DR, DENVER, IA 50622-1113
Transaction Type	Mortgage
Record Updated	Jan 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020215357
Date	Nov 3, 2021
Instrument	20215357

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 104 Oak Dr was $5,332 with a homeowner's exemption.

Source: Bremer County assessment roll, as of September 18, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Bremer County
Unified School District	Denver Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,332.00 Homeowner's exemption	$441,200 Land $60,200 Building $381,000	$441,200 Land $60,200 Building $381,000
2023		$401,500 Land $50,110 Building $351,390	$401,500 Land $50,110 Building $351,390
2022	$4,928.00

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

Flood

FEMA maps place 104 Oak Dr 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 January 28, 2021 · 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	7 in force
Nearby Flood Claims	20 (1979–2008)
Claims Outside the SFHA	1 of 20
Most Recent Claim	Apr 2008 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, May 1999 · 3 claims Severe Storms & Flooding, Jul 1993 · 2 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

Wildfire risk around 104 Oak Dr is low, with a 0.03% annual chance of 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 62% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waverly Communications Utility Fiber	10,000 / 10,000
GigFire Fixed Wireless	150 / 130

May also be available: Mediacom Xtream, Nextlink.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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