1097 248th St, Shell Rock, IA 50670 Property Records

Bremer County property record for 1097 248th St, Shell Rock, IA 50670

Property Summary

Property Type	Single Family Home
Details	6 bd · 7 ba · 2,968 sqft · built 2019
Lot Size	7.97 acres (347,173 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Sep 2014)
Tax Bill	$11,660 (2025)
Deeds & Mortgages	Dec 2019 Refinance Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-18-400-011`

Property Details

APN / Parcel Number

Primary APN	`09-18-400-011`

Interior

Bedrooms	6 Beds
Full Baths	7 Baths
Half Baths	4 Half Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	2,968 sqft Living Area
1st Floor Area	1,296 sqft
Basement Area	1,296 sqft
Finished Basement	1,000 sqft
Unfinished Basement	264 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	347,173 sqft (7.97 acres)
Garage Type	Attached
Garage Area	1,506 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	520 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1097 248TH ST
City	SHELL ROCK
State	IA
Zip	50670-9502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18-91-14 PARCEL D NE SE
Legal Range	14W
Legal Township	91N
Legal Section	18
Jurisdiction	BREMER IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3017
Census Tract	4600

Owner

1097 248th St is owned and occupied by an individual who bought it in September 2014.

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

Owner of Record	Individual Name on File
Mailing Address	1097 248TH ST, SHELL ROCK, IA 50670-9502
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
Dec 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2014 · Amount on File
Deed Sale	Sep 4, 2014 · Amount on File
Deed Document Number	20143284
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	1097 248TH ST, SHELL ROCK, IA 50670-9502
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020194344
Date	Dec 16, 2019
Instrument	2020194344

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	1097 248TH ST, SHELL ROCK, IA 50670-9502
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020203661
Date	Aug 26, 2020
Instrument	20203661

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1097 248th St was $11,660 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	Waverly-Shell Rock Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,660.00 Homeowner's exemption	$1,021,290 Land $154,850 Building $866,440	$1,021,290 Land $154,850 Building $866,440
2023		$825,640 Land $105,500 Building $720,140	$825,640 Land $105,500 Building $720,140
2022	$8,546.00

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

Flood

FEMA maps place 1097 248th St 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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	25 (1993–2024)
Claims Outside the SFHA	7 of 25
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Sep 2016 · 7 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 13 claims Severe Storms & Flooding, Aug 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 1097 248th St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Butler-Bremer Mutual Telephone Company Fiber	1,000 / 1,000

May also be available: GigFire, Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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