112 E Custer St, Zearing, IA 50278 Property Records

Story County property record for 112 E Custer St, Zearing, IA 50278

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,576 sqft · built 1890
Lot Size	0.502 acres (21,875 sqft)
Owner	Individual Name on Record
Last Sale	$1,000 (Jan 2023)
Tax Bill	$1,382 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-21-412-400`

Property Details

APN / Parcel Number

Primary APN	`04-21-412-400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,576 sqft Living Area
1st Floor Area	352 sqft
Basement Area	344 sqft
Unfinished Basement	344 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,875 sqft (0.502 acres)
Lot Dimensions	175 ft deep x 125 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	80 sqft
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	112 E CUSTER ST
City	ZEARING
State	IA
Zip	50278-2008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH ADD S1/2 LOT 6 & ALL LOTS 7 & 8 BLK 10
Legal Range	21W
Legal Township	85N
Legal Section	21
Legal Subdivision	SOUTH ADD
Legal Block	10
Legal Lot Number	6-8
Jurisdiction	STORY IA
Township / Civil Division	LINCOLN
Census Block Group	2
Census Block	2049
Census Tract	10500

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	112 E CUSTER ST, ZEARING, IA 50278-2008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STORY BANK & TRUST
Jan 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STORY BANK & TRUST
Sep 5, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 5, 2017	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2023 · Amount on Record
Deed Sale	Jan 17, 2023 · Amount on Record
Prior Sale	Apr 18, 2022 · Amount on Record
Deed Document Number	2023325
Prior Transfer Date	Jan 10, 2023
Prior Transfer Doc	0000000325
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	112 E CUSTER ST, ZEARING, IA 50278-2008
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202203596
Date	Apr 18, 2022
Instrument	2022-03596

Lender

Name	SOUTH STORY BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	112 E CUSTER ST, ZEARING, IA 50278-2008
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202300326
Date	Jan 17, 2023
Instrument	2023-00326

Lender

Name	SOUTH STORY BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2020
Change Frequency	Annually
Min Rate At Change	6.25%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	10.2%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Sep 5, 2017
Property Address	112 E CUSTER ST, ZEARING, IA 50278-2008
Document Number	201700009109
Instrument Date	Aug 30, 2017
Instrument	2017-00009109
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700009110
Date	Sep 5, 2017
Instrument	2017-00009110

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

September 2017: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	STORY IA
Recording Date	Sep 5, 2017
Property Address	112 E CUSTER ST, ZEARING, IA 50278-2008
Document Number	201700009108
Instrument Date	Aug 18, 2017
Instrument	2017-00009108
Transaction Type	Transfer
Record Updated	Sep 1, 2020

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 E CUSTER ST, ZEARING, IA 50278-2008

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Story County
Municipality	Zearing City
Unified School District	Colo-NESCO Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,382.00 (+2.98%) Homeowner's exemption	$97,600 (+4.83%) Land $16,500 Building $81,100	$97,600 (+4.83%) Land $16,500 Building $81,100
2024	$1,342.00 (+7.7%)
2023		$93,100 Land $12,100 Building $81,000	$93,100 Land $12,100 Building $81,000
2022	$1,246.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	9 (1987–2013)
Claims Outside the SFHA	4 of 9
Most Recent Claim	May 2013 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2013 · 3 claims Severe Storms & Flooding, Jul 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	0.02% 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	ZEARING WATER DEPARTMENT serves 528 people · EPA ID IA8590041
Water Source	Purchased groundwater from IA REGIONAL UTILITIES ASSOC (WAVERLY)
Last State Inspection	Nov 2023
Lead	6 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Apr 2016
Monitoring and Reporting	3 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Minerva Valley Telephone Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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