201 E Cummings St, Ute, IA 51060 Property Records

Monona County property record for 201 E Cummings St, Ute, IA 51060

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,400 sqft · built 1999
Lot Size	0.976 acres (42,515 sqft)
Owner	Individual Name on Record
Tax Bill	$2,224 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`844226376004`

Property Details

APN / Parcel Number

Primary APN	`844226376004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	1,400 sqft
Finished Basement	625 sqft
Unfinished Basement	775 sqft
Game Room	Game Room
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,515 sqft (0.976 acres)
Garage Type	Attached
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	144 sqft
Deck Area	102 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	201 E CUMMINGS ST
City	UTE
State	IA
Zip	51060-1042
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL BLK 3 LARSENS ADDITION
Legal Subdivision	LARSENS ADD
Jurisdiction	MONONA IA
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1046
Census Tract	960400

Owner

Source: Monona County records, as of October 20, 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	201 E CUMMINGS ST, UTE, IA 51060-1042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE MORTGAGE
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK & TRUST CO
Dec 15, 2022	Affidavit, Transfer
Oct 29, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONONA IA
Recording Date	Aug 13, 2026
Property Address	201 E CUMMINGS ST, UTE, IA 51060-1042
Document Number	0000001179
Instrument Date	Aug 6, 2026
Instrument	20261179
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 E CUMMINGS ST, UTE, IA 51060-1042

Mortgage

Document Number	0000001179,
Date	Aug 13, 2026
Instrument	20261179

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONONA IA
Property Address	201 E CUMMINGS ST, UTE, IA 51060-1042
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020210985
Date	Jun 28, 2021
Instrument	2021-0985

Lender

Name	COMMUNITY BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

December 2022: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	MONONA IA
Recording Date	Dec 15, 2022
Property Address	201 E CUMMINGS ST, UTE, IA 51060-1042
Document Number	02022/1898
Book / Page	2022 / 1898
Instrument Date	Nov 7, 2022
Instrument	2022-1898
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 E CUMMINGS ST, UTE, IA 51060-1042

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MONONA IA
Recording Date	Oct 29, 2019
Property Address	201 E CUMMINGS ST, UTE, IA 51060-1042
Document Number	0000015/79
Book / Page	15 / 79
Instrument Date	Oct 23, 2019
Instrument	19-0802
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Monona County assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Monona County
Municipality	Ute City
Unified School District	Charter Oak-Ute Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,224.00 Homeowner's exemption	$183,895 (-1.36%) Land $15,033 Building $168,862	$183,895 (-1.36%) Land $15,033 Building $168,862
2025	$2,224.00 (+33.81%)	$186,433 (+33.79%) Land $15,033 Building $171,400	$186,433 (+33.79%) Land $15,033 Building $171,400
2024	$1,662.00 (-14.59%)
2023		$139,343 (+11.68%) Land $15,033 Building $124,310	$139,343 (+11.68%) Land $15,033 Building $124,310
2022	$1,946.00 Homeowner's exemption	$124,766
2021			$124,766

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 June 15, 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	Low lower than 67% of the US · above 58% of Iowa
Wildfire Likelihood	0.03% 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	UTE WATER SUPPLY serves 338 people · EPA ID IA6762043
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Cable	1,500 / 50
Nextlink Fixed Wireless	1,000 / 1,000
Windstream DSL	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Western Iowa Wireless.

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