105 E Summit St, Toledo, IA 52342 Property Records

Tama County property record for 105 E Summit St, Toledo, IA 52342

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft · built 1970
Lot Size	0.455 acres (19,820 sqft)
Owner	Individual Name on File
Last Sale	$88,000 (Jun 2012)
Tax Bill	$3,272 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2012 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14.22.453.008`

Property Details

APN / Parcel Number

Primary APN	`14.22.453.008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	19,820 sqft (0.455 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Patio Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	105 E SUMMIT ST
City	TOLEDO
State	IA
Zip	52342-2311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMIT LOT 4 (EX N10') & LOT 5 BLK 2
Legal Subdivision	SUMMIT
Legal Block	2
Legal Lot Number	4-5
Jurisdiction	TAMA IA
Township / Civil Division	TOLEDO
Census Block Group	1
Census Block	1045
Census Tract	290400

Owner

105 E Summit St is owned and occupied by an individual who bought it in June 2012.

Source: Tama County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	105 E SUMMIT ST, TOLEDO, IA 52342-2311
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
Aug 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CREDIT UNION
Jun 1, 2012	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2012 · Amount on File
Deed Sale	Jun 1, 2012 · Amount on File
Deed Document Number	20121976
Deed Book / Page	902 / 266
Prior Transfer Date	Sep 19, 2011
Prior Transfer Doc	000891/133
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Recording Date	Aug 19, 2026
Property Address	105 E SUMMIT ST, TOLEDO, IA 52342-2311
Document Number	0000002031
Instrument Date	Aug 14, 2026
Instrument	20262031
Transaction Type	Mortgage
Record Updated	Sep 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 E SUMMIT ST, TOLEDO, IA 52342-2311

Mortgage

Document Number	0000002031,
Date	Aug 19, 2026
Instrument	20262031

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 1, 2031

Interest

Max Rate	-1%

June 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	105 E SUMMIT ST, TOLEDO, IA 52342-2311
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00903/0969
Date	Jun 1, 2012
Book Page	0903/0969
Instrument	2012-1977

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	IOWA CITY, IA 52246

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4%
Type Change Date	Jun 1, 2022
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6%
Index	1-Year T-Bill
Max Rate	10%

Tax Assessment & Valuation

The 2025 property tax bill for 105 E Summit St was $3,272 with a homeowner's exemption, up 11.6% from the year before.

Source: Tama County assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Tama County
Municipality	Toledo City
Unified School District	South Tama County Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,272.00 (+11.6%) Homeowner's exemption	$194,160 (+17.24%) Land $22,150 Building $172,010	$194,160 Land $22,150 Building $172,010
2024	$2,932.00	$165,610 (-) Land $22,150 Building $143,460
2023		$165,610 Land $22,150 Building $143,460	$165,610 Land $22,150 Building $143,460
2022	$3,015.00

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

Flood

FEMA maps place 105 E Summit St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 6, 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

Wildfire risk around 105 E Summit St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 60% of Iowa
Wildfire Likelihood	0.05% 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	TOLEDO WATER SUPPLY serves 2,399 people · EPA ID IA8676027
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Windstream DSL	200 / 20
GigFire Fixed Wireless	150 / 130

May also be available: AT&T, Nextlink.

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