105 Spruce St, Tipton, IA 52772 Property Records

Cedar County property record for 105 Spruce St, Tipton, IA 52772

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,282 sqft · built 1900
Lot Size	0.147 acres (6,403 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Oct 2007)
Tax Bill	$1,070 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`048010012830080`

Property Details

APN / Parcel Number

Primary APN	`048010012830080`
Alternative APN	`48504801001283008000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,282 sqft Living Area
Attic	Attic
Attic Area	274 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,403 sqft (0.147 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	146 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	105 SPRUCE ST
City	TIPTON
State	IA
Zip	52772-1546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STARRS ADD S 45' LOT3 BLK 57
Legal Subdivision	STARRS ADDITION TO TIPTON
Legal Block	57
Legal Lot Number	3
Jurisdiction	CEDAR IA
Township / Civil Division	CENTER
Census Block Group	4
Census Block	4063
Census Tract	450300

Owner

Source: Cedar County records · APN 048010012830080

Assessment roll updated March 13, 2026 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	105 SPRUCE ST, TIPTON, IA 52772-1546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 02, 2007 · Amount on Record
Deed Sale	Oct 02, 2007 · Amount on Record
Prior Sale	Jul 29, 2005 · Amount on Record
Deed Document Number	20073900
Deed Book / Page	865 / 175
Prior Transfer Date	Sep 25, 2007
Prior Transfer Doc	000865/175
Record Updated	Jun 08, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	105 SPRUCE ST, TIPTON, IA 52772-1546
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001794/257
Date	Oct 24, 2025
Book Page	1794/257
Instrument	2025 2998

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Apr 24, 2026

Tax Assessment & Valuation

Source: Cedar County records · Assessment roll updated March 13, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Cedar County
Municipality	Tipton City
Unified School District	Tipton Community School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,070.00	$64,730 (+14.67%) Land $12,380 Building $52,350	$64,730 (+14.67%) Land $12,380 Building $52,350
2024	$1,070.00 (+17.84%)
2023		$56,450 (+26.48%) Land $12,380 Building $44,070	$56,450 (+26.48%) Land $12,380 Building $44,070
2022	$908.00	$44,630 Land $10,130 Building $34,500
2021			$44,630 Land $10,130 Building $34,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cedar County (19031C), updated August 17, 2013 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 432 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
AMG Technology Investment Group Fixed Wireless	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Uniti Group DSL · Fiber in parts of the area	200 / 20
LTD Broadband Fixed Wireless	150 / 130

May also be available: Clarence Telephone Company.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	TIPTON WATER SUPPLY serves 3,149 people
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	1 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.