202 Union St, Sumner, IA 50674 Property Records

Bremer County property record for 202 Union St, Sumner, IA 50674

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,288 sqft · built 1971
Lot Size	0.294 acres (12,807 sqft)
Owner	2 Individuals on Record
Last Sale	$90,000 (Oct 2013)
Tax Bill	$1,864 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jun 2005 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-454-004`

Property Details

APN / Parcel Number

Primary APN	`04-23-454-004`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	4 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,807 sqft (0.294 acres)
Lot Dimensions	160 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	394 sqft
Parking Spaces	1 Parking Space
Deck Area	238 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	202 UNION ST
City	SUMNER
State	IA
Zip	50674-1250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23-93-11 A P SW SE N 80' S 364' LOT 12
Legal Range	11W
Legal Township	93N
Legal Section	23
Legal Subdivision	AUDITOR SUBD SE1/4 SEC 23 - SUMNER
Legal Block	93
Legal Lot Number	12
Jurisdiction	BREMER IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1010
Census Tract	4700

Owner

Source: Bremer County assessment roll, as of September 18, 2025

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

Owner of Record	2 Individuals on Record
Mailing Address	202 UNION ST, SUMNER, IA 50674-1250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage EMPEOPLE CU
Jun 29, 2005	Deed of Trust, Mortgage JOHN DEERE COMMUNITY CU
Jun 23, 2017	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Apr 6, 2026	Quit Claim Deed, Transfer · Conventional Mortgage PEOPLES CREDIT UNION
Jun 23, 2017	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Oct 7, 2013	Warranty Deed, Transfer · VA Mortgage INLANTA MORTGAGE INC
Jul 17, 2009	Intrafamily Transfer, Transfer
Jun 4, 2008	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2013 · Amount on Record
Deed Sale	Oct 7, 2013 · Amount on Record
Prior Sale	Jun 4, 2008 · Amount on Record
Deed Document Number	20134921
Last Transfer Date	Apr 1, 2026
Transfer Doc	0000001000
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	202 UNION ST, SUMNER, IA 50674-1250
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020232076
Date	Jul 24, 2023
Instrument	20232076

Lender

Name	EMPEOPLE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2033

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	202 UNION ST, SUMNER, IA 50674-1250
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020053007
Date	Jun 29, 2005
Instrument	20053007

Lender

Name	JOHN DEERE COMMUNITY CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	85 Months
Due	Jul 11, 2012

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	202 UNION ST, SUMNER, IA 50674-1250
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020172361
Date	Jun 23, 2017
Instrument	20172361

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Jun 25, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREMER IA
Recording Date	Apr 6, 2026
Property Address	202 UNION ST, SUMNER, IA 50674-1250
Document Number	0000001000
Instrument Date	Apr 1, 2026
Instrument	20261000
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	202 UNION ST, SUMNER, IA 50674-1250

Mortgage

Document Number	0000001001,
Date	Apr 6, 2026
Instrument	20261001

Lender

Name	PEOPLES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	202 UNION ST, SUMNER, IA 50674-1250
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20172361
Date	Jun 23, 2017
Instrument	20172361

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Jun 25, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Oct 7, 2013
Property Address	202 UNION ST, SUMNER, IA 50674-1250
Document Number	0020134921
Instrument Date	Sep 30, 2013
Instrument	20134921
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 UNION ST, SUMNER, IA 50674-1250

Mortgage

Document Number	0020134922
Date	Oct 7, 2013
Instrument	20134922

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company
Address	BROOKFIELD, WI 53045

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2043

July 2009: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BREMER IA
Recording Date	Jul 17, 2009
Property Address	202 UNION ST, SUMNER, IA 50674-1250
Document Number	0020093343
Instrument Date	Jul 12, 2009
Instrument	20093343
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	202 UNION ST, SUMNER, IA 50674-1250
Investor	Possibly a Property Investor

June 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Jun 4, 2008
Property Address	202 UNION ST, SUMNER, IA 50674-1250
Document Number	0020082503
Instrument Date	May 31, 2008
Instrument	20082503
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Amount	Amount Recorded
Tax	$143.20
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	202 UNION ST, SUMNER, IA 50674-1250
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Bremer County assessment roll, as of September 18, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Bremer County
Municipality	Sumner City
Unified School District	Sumner-Fredericksburg Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,864.00 Homeowner's exemption	$137,610 (+12.66%) Land $21,200 Building $116,410	$137,610 (+12.66%) Land $21,200 Building $116,410
2024	$1,864.00 (+9.78%)
2023		$122,150 Land $16,960 Building $105,190	$122,150 Land $16,960 Building $105,190
2022	$1,698.00

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 January 28, 2021 · 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	5 in force
Nearby Flood Claims	12 (2004–2025)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jul 2017 · 7 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	SUMNER WATER SUPPLY serves 2,030 people · EPA ID IA0970006
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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

Provider	Max Down / Up (Mbps)
Hawkeye Telephone Fiber	1,000 / 1,000
Northeast Iowa Telephone Company Fiber	1,000 / 1,000
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: Windstream.

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