2116 Pine Tree Ct, Clear Lake, IA 50428 Property Records

Cerro Gordo County property record for 2116 Pine Tree Ct, Clear Lake, IA 50428

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,505 sqft · built 1978
Lot Size	0.181 acres (7,884 sqft)
Owner	2 Individual Names on File
Last Sale	$238,000 (Feb 2019)
Tax Bill	$4,270 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052438200600`

Property Details

APN / Parcel Number

Primary APN	`052438200600`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,505 sqft Living Area
1st Floor Area	1,503 sqft
Basement Area	1,505 sqft
Finished Basement	1,125 sqft
Unfinished Basement	380 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,884 sqft (0.181 acres)
Lot Dimensions	105 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	290 sqft
Patio Area	182 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2116 PINE TREE CT
City	CLEAR LAKE
State	IA
Zip	50428-2924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 18 PINE TREE PARK 2ND ADD
Legal Range	22W
Legal Township	96N
Legal Section	24
Legal Subdivision	PINE TREE PARK 2ND ADD
Legal Lot Number	18
Jurisdiction	CERRO GORDO IA
Township / Civil Division	CLEAR LAKE
Census Block Group	1
Census Block	1034
Census Tract	950900

Owner

2116 Pine Tree Ct is owned and occupied by two individuals who bought it in February 2019.

Source: Cerro Gordo County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2116 PINE TREE CT, CLEAR LAKE, IA 50428-2924
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CLEAR LAKE BANK & TRUST CO
Feb 25, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage CLEAR LAKE BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2019 · Amount on File
Deed Sale	Feb 25, 2019 · Amount on File
Prior Sale	Mar 12, 2010 · Amount on File
Deed Document Number	2019766
Deed Book / Page	2019 / 766
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CERRO GORDO IA
Property Address	2116 PINE TREE CT, CLEAR LAKE, IA 50428-2924
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020203011
Date	Jun 1, 2020
Instrument	2020-3011

Lender

Name	CLEAR LAKE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CERRO GORDO IA
Recording Date	Feb 25, 2019
Property Address	2116 PINE TREE CT, CLEAR LAKE, IA 50428-2924
Document Number	2019/766
Book / Page	2019 / 766
Instrument Date	Feb 2, 2019
Instrument	2019-766
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2116 PINE TREE CT, CLEAR LAKE, IA 50428-2924
Investor	Possibly a Property Investor

Mortgage

Document Number	2019767
Date	Feb 25, 2019
Instrument	2019/767

Lender

Name	CLEAR LAKE BANK & TRUST

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	002019/766
Date	Feb 25, 2019
Book Page	2019/766
Instrument	2019-766

Lender

Name	CLEAR LAKE BANK & TRUST

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2116 Pine Tree Ct was $4,270.

Source: Cerro Gordo County assessment roll, as of November 14, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Cerro Gordo County
Municipality	Clear Lake City
Unified School District	Clear Lake Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,270.00	$359,170 Land $43,590 Building $315,580	$359,170 Land $43,590 Building $315,580
2024	$4,270.00
2023		$332,350 (+21.94%) Land $31,390 Building $300,960	$332,350 (+21.94%) Land $31,390 Building $300,960
2022	$4,076.00 Homeowner's exemption	$272,550 Land $24,410 Building $248,140	$272,550 Land $24,410 Building $248,140

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

Flood

FEMA maps place 2116 Pine Tree Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 14, 2022 · 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	2 in force

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

Wildfire risk around 2116 Pine Tree Ct is low, with less than 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 96% of the US · lower than 71% 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	CLEAR LAKE WATER DEPARTMENT serves 7,687 people · EPA ID IA1716076
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	4 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	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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Clear Lake Independent Telephone Company Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
GigFire Fixed Wireless	150 / 130
Router12 Networks Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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