213 Exchange St, Luzerne, IA 52257 Property Records

Benton County property record for 213 Exchange St, Luzerne, IA 52257

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,456 sqft · built 1900
Lot Size	0.771 acres (33,600 sqft)
Owner	Individual Name on Record
Last Sale	$57,000 (Jun 2005)
Tax Bill	$1,220 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11000800`

Property Details

APN / Parcel Number

Primary APN	`11000800`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	608 sqft
Basement Area	304 sqft
Unfinished Basement	304 sqft
Flooring	Combination, Other
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	33,600 sqft (0.771 acres)
Lot Dimensions	140 ft deep x 240 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	213 EXCHANGE ST
City	LUZERNE
State	IA
Zip	52257-9651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TANGAMANNS ADD LTS 7,8,9 & 10 BLK 2
Legal Subdivision	TANGAMANS
Legal Block	2
Legal Lot Number	7-10
Jurisdiction	BENTON IA
Township / Civil Division	LEROY
Census Block Group	2
Census Block	2042
Census Tract	960600

Owner

Source: Benton 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	213 EXCHANGE ST, LUZERNE, IA 52257-9651
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed of Trust, Mortgage · Line of Credit CORDA CU
Feb 3, 2026	Deed of Trust, Mortgage · Line of Credit CORDA CU
Mar 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LINN AREA CREDIT UNION
Jan 11, 2017	Quit Claim Deed, Transfer · Conventional Mortgage LINN AREA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2005 · Amount on Record
Deed Sale	Jun 20, 2005 · Amount on Record
Deed Book / Page	5 / 3326
Last Transfer Date	Dec 30, 2016
Transfer Doc	00017/0087
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IA
Property Address	213 EXCHANGE ST, LUZERNE, IA 52257-9651
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 EXCHANGE ST, LUZERNE, IA 52257-9651

Mortgage

Document Number	0000260933
Date	Mar 17, 2026
Instrument	26-0933

Lender

Name	CORDA CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 11, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IA
Property Address	213 EXCHANGE ST, LUZERNE, IA 52257-9651
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 EXCHANGE ST, LUZERNE, IA 52257-9651

Mortgage

Document Number	0000260408
Date	Feb 3, 2026
Instrument	26-0408

Lender

Name	CORDA CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jan 26, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IA
Property Address	213 EXCHANGE ST, LUZERNE, IA 52257-9651
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000201099
Date	Mar 16, 2020
Instrument	20-1099

Lender

Name	LINN AREA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON IA
Recording Date	Jan 11, 2017
Property Address	213 EXCHANGE ST, LUZERNE, IA 52257-9651
Document Number	00017/0087
Book / Page	17 / 0087
Instrument Date	Dec 30, 2016
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Tax	$12.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 EXCHANGE ST, LUZERNE, IA 52257-9651

Mortgage

Document Number	00017/0088
Date	Jan 11, 2017
Book Page	17/0088

Lender

Name	LINN AREA CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Benton County
Municipality	Luzerne City
Unified School District	Belle Plaine Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,220.00 (+3.74%)	$96,000 (-) Land $17,100 Building $78,900	$96,000 (-) Land $17,100 Building $78,900
2025	$1,176.00 Homeowner's exemption	$96,000 (+11.24%) Land $17,100 Building $78,900	$96,000 (+11.24%) Land $17,100 Building $78,900
2024	$1,176.00 (+5.38%)
2023		$86,300 (+19.53%) Land $17,100 Building $69,200	$86,300 (+19.53%) Land $17,100 Building $69,200
2022	$1,116.00 Homeowner's exemption	$72,200 Land $13,700 Building $58,500
2021			$72,200 Land $13,700 Building $58,500

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 September 22, 2023

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 80% of the US · above 49% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
USA Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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