1108 W Summit St, Creston, IA 50801 Property Records

Union County property record for 1108 W Summit St, Creston, IA 50801

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,160 sqft · built 2007
Lot Size	0.764 acres (33,300 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Dec 2020)
Tax Bill	$3,790 (2025)
Deeds & Mortgages	May 2017 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0502430001`

Property Details

APN / Parcel Number

Primary APN	`0502430001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Building Area	2,160 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Mobile Home
Exterior Material	Vinyl
Construction Type	Manufactured
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,300 sqft (0.764 acres)
Lot Dimensions	185 ft deep x 180 ft wide
Garage Type	Detached
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces
Deck Area	64 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	1108 W SUMMIT ST
City	CRESTON
State	IA
Zip	50801-2000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & B 1ST BLK 17 LOTS 4-5-6
Legal Subdivision	HIGBEE & BAKERS ADD CRESTON
Legal Block	17
Legal Lot Number	4-6
Jurisdiction	UNION IA
Township / Civil Division	CRESTON
Census Block Group	1
Census Block	1015
Census Tract	190200

Owner

1108 W Summit St is owned and occupied by two individuals who bought it in December 2020.

Source: Union County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1108 W SUMMIT ST, CRESTON, IA 50801-2000
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
May 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage IOWA STATE SAVINGS BANK
Sep 10, 2018	Deed of Trust, Mortgage IOWA STATE SAVINGS BANK
Dec 4, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK CRESTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2020 · Amount on File
Deed Sale	Dec 4, 2020 · Amount on File
Deed Document Number	20202326
Deed Book / Page	1237 / 124
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	1108 W SUMMIT ST, CRESTON, IA 50801-2000
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001147/308
Date	May 15, 2017
Book Page	1147/308
Instrument	2017-00000762

Lender

Name	IOWA STATE SAVINGS BANK
Type	Bank
Address	CRESTON, IA 50801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 15, 2032

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	1108 W SUMMIT ST, CRESTON, IA 50801-2000
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001180/0000000297
Date	Sep 10, 2018
Book Page	0000001180/0000000297
Instrument	000000001601

Lender

Name	IOWA STATE SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION IA
Recording Date	Dec 4, 2020
Property Address	1108 W SUMMIT ST, CRESTON, IA 50801-2000
Document Number	001237/124
Book / Page	1237 / 124
Instrument Date	Dec 4, 2020
Instrument	2020-00002326
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1108 W SUMMIT ST, CRESTON, IA 50801-2000

Mortgage

Document Number	202000002327
Date	Dec 4, 2020
Instrument	2020-00002327

Lender

Name	FIRST NATIONAL BANK CRESTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1108 W Summit St was $3,790 with a homeowner's exemption, down 2.4% from the year before.

Source: Union County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$252,870 (-) Land $38,140 Building $214,730	$252,870 (-) Land $38,140 Building $214,730
2025	$3,790.00 (-2.37%) Homeowner's exemption	$252,870 Land $38,140 Building $214,730	$252,870 Land $38,140 Building $214,730
2024	$3,882.00
2023		$191,030 Land $54,410 Building $136,620	$191,030 Land $54,410 Building $136,620
2022	$4,496.00

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

Flood

FEMA maps place 1108 W Summit 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 May 31, 2022

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 1108 W Summit St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	0.01% 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	CRESTON WATER SUPPLY serves 7,536 people · EPA ID IA8816089
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	7 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Treatment Techniques Jun 2018
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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Lockridge Networks Fixed Wireless	100 / 20

May also be available: Nextlink, Windstream.

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