1998 Bluff Rd, Thurman, IA 51654 Property Records

Fremont County property record for 1998 Bluff Rd, Thurman, IA 51654

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 960 sqft · built 2016
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Tax Bill	$1,922 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`280281240010000`

Property Details

APN / Parcel Number

Primary APN	`280281240010000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	660 sqft
Attic	Attic
Attic Area	300 sqft
Flooring	Hardwood
Interior Walls	Wood

Exterior

Year Built	Built 2016
Architectural Style	Log Home
Exterior Material	Logs
Construction Type	Log
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Porch	Open Porch
Porch Area	150 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1998 BLUFF RD
City	THURMAN
State	IA
Zip	51654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PCL C SE1/4 SW1/4, SW1/4 SE1/4 24-69-43
Jurisdiction	FREMONT IA
Township / Civil Division	SIDNEY
Census Block Group	1
Census Block	1048
Census Tract	970200

Owner

Source: Fremont County records, as of January 5, 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	1998 BLUFF RD, THURMAN, IA 51654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Deed of Trust, Mortgage · VA Mortgage FLANAGAN STATE BANK
Feb 21, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance TRI VALLEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2023
Deed Sale	Sep 21, 2023
Prior Sale	May 23, 2016 · Amount on Record
Deed Document Number	20231084
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT IA
Property Address	1998 BLUFF RD, THURMAN, IA 51654
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1760
Date	Dec 30, 2020
Book Page	2020/1760
Instrument	20201760

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT IA
Property Address	1998 BLUFF RD, THURMAN, IA 51654
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/160
Date	Feb 21, 2019
Book Page	2019/160
Instrument	20190160

Lender

Name	TRI VALLEY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: Fremont County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Fremont County
Unified School District	Sidney Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$170,600 (+12.58%) Land $38,000 Building $132,600	$170,600 (+12.58%) Land $38,000 Building $132,600
2024	$1,922.00 (+2.23%)
2023		$151,540 (+7.84%) Land $38,000 Building $113,540	$151,540 (+7.84%) Land $38,000 Building $113,540
2022	$1,880.00 Homeowner's exemption	$140,520 Land $44,030 Building $96,490
2021			$140,520 Land $44,030 Building $96,490

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 February 24, 2022

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

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

Wildfire

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

Wildfire Risk	Moderate above 46% of the US · above 79% of Iowa
Wildfire Likelihood	0.09% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream Fixed Wireless	75 / 10

May also be available: Nextlink, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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