109 E Summit St, Wilton, IA 52778 Property Records

Muscatine County property record for 109 E Summit St, Wilton, IA 52778 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,260 sqft · built 1950
Lot Size	0.134 acres (5,850 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Dec 2022)
Tax Bill	$2,548 (2024)
Deeds & Mortgages	Aug 2012 Mortgage Jun 2009 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0406108010`

Property Details

APN / Parcel Number

Primary APN	`0406108010`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	840 sqft
Attic	Attic
Attic Area	420 sqft
Basement Area	840 sqft
Finished Basement	720 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,850 sqft (0.134 acres)
Lot Dimensions	90 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	109 E SUMMIT ST
City	WILTON
State	IA
Zip	52778-9532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-78-1W E 65 S 90 W 148 9/12' BLK 5 N WILTON
Legal Subdivision	NORTH WILTON ADD
Legal Block	5
Jurisdiction	MUSCATINE IA
Township / Civil Division	WILTON
Census Block Group	4
Census Block	4006
Census Tract	50200

Owner

Source: Muscatine County records · APN 0406108010

Assessment roll updated May 1, 2025 · Last verified October 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 File
Co-owner	Verified Secondary Owner
Mailing Address	109 E SUMMIT ST, WILTON, IA 52778-9532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 01, 2012	Deed of Trust, Mortgage · VA Mortgage GUARANTY BANK
Jun 30, 2009	Deed of Trust, Mortgage · VA Mortgage SHELTER MORTGAGE COMPANY LLC
Dec 01, 2022	Warranty Deed, Transfer · Conventional Mortgage CBI BANK & TRUST
Jun 15, 2017	Warranty Deed, Transfer · Second Mortgage (Down Payment) UNIVERSITY OF LOWA COMMUNITY CREDIT

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 01, 2022 · Amount on Record
Deed Sale	Dec 01, 2022 · Amount on Record
Prior Sale	Jun 15, 2017 · Amount on Record
Deed Document Number	2022-06355
Record Updated	Jun 08, 2026

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSCATINE IA
Property Address	109 E SUMMIT ST, WILTON, IA 52778-9532
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201203624
Date	Aug 01, 2012
Instrument	2012-03624

Lender

Name	GUARANTY BANK
Type	Bank
Address	MILWAUKEE, WI 53209

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2042

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSCATINE IA
Property Address	109 E SUMMIT ST, WILTON, IA 52778-9532
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200904196
Date	Jun 30, 2009
Instrument	2009-04196

Lender

Name	SHELTER MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	MILWAUKEE, WI 53209

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2039

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSCATINE IA
Recording Date	Dec 01, 2022
Property Address	109 E SUMMIT ST, WILTON, IA 52778-9532
Document Number	0202206355
Instrument Date	Nov 30, 2022
Instrument	2022-06355
Transaction Type	Transfer
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$263.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E SUMMIT ST, WILTON, IA 52778-9532

Mortgage

Document Number	0202206356
Date	Dec 01, 2022
Instrument	2022-06356

Lender

Name	CBI BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2052

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSCATINE IA
Recording Date	Jun 15, 2017
Property Address	109 E SUMMIT ST, WILTON, IA 52778-9532
Document Number	0201703062
Instrument Date	Jun 09, 2017
Instrument	2017-03062
Transaction Type	Transfer
Record Updated	Jan 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$217.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E SUMMIT ST, WILTON, IA 52778-9532

Mortgage

Document Number	0201703063
Date	Jun 15, 2017
Instrument	2017-03063

Lender

Name	UNIVERSITY OF LOWA COMMUNITY CREDIT
Type	Non-Lending Institution

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Jul 05, 2027

Tax Assessment & Valuation

Source: Muscatine County records · Assessment roll updated May 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Muscatine County
Municipality	Wilton City
Unified School District	Wilton 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		$158,270 (+0.88%) Land $19,150 Building $139,120	$158,270 (+0.88%) Land $19,150 Building $139,120
2024	$2,548.00 (+22.85%)
2023		$156,890 (+31.96%) Land $19,154 Building $137,736	$156,890 (+31.96%) Land $19,154 Building $137,736
2022	$2,074.00 Homeowner's exemption	$118,890 Land $18,070 Building $100,820
2021			$118,890 Land $18,070 Building $100,820

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Muscatine County (19139C), updated January 27, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 191390502004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (1996)
Most Recent Claim	May 1996, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 382 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
WTC Communications	Fiber	1,000 / 1,000
AMG Technology Investment Group	Fixed Wireless	500 / 100
Verizon	Fixed Wireless	300 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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