2148 Bluff Rd, Thurman, IA 51654 Property Records

Fremont County property record for 2148 Bluff Rd, Thurman, IA 51654

Property Summary

Property Type	Mobile Home
Details	4 bd · 3 ba · 1,890 sqft · built 1986
Lot Size	3.33 acres (145,055 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,462 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`280280734010000`

Property Details

APN / Parcel Number

Primary APN	`280280734010000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Building Area	1,890 sqft Living Area
1st Floor Area	1,188 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Mobile Home
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	145,055 sqft (3.33 acres)
Garage Type	Mixed
Garage Area	1,350 sqft
Parking Spaces	9 Parking Spaces
Deck Area	248 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2148 BLUFF RD
City	THURMAN
State	IA
Zip	51654-6018
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	S1/3 SE1/4 SW1/4 NE1/4 31-69-42
Legal Range	42W
Legal Township	69N
Legal Section	31
Jurisdiction	FREMONT IA
Township / Civil Division	SIDNEY
Census Block Group	1
Census Block	1049
Census Tract	970200

Owner

Source: Fremont 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	2 Individual Names on Record
Mailing Address	2148 BLUFF RD, THURMAN, IA 51654-6018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK & TRUST
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT IA
Property Address	2148 BLUFF RD, THURMAN, IA 51654-6018
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2148 BLUFF RD, THURMAN, IA 51654-6018

Mortgage

Document Number	02023/1154
Date	Oct 11, 2023
Book Page	2023/1154
Instrument	20231154

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank
Address	NEBRASKA CITY, NE 68410

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Sep 22, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT IA
Property Address	2148 BLUFF RD, THURMAN, IA 51654-6018
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1689
Date	Dec 21, 2020
Book Page	2020/1689
Instrument	20201689

Lender

Name	AMERICAN NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Fremont County assessment roll, as of October 7, 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
2026	$2,462.00	$215,760 (-) Land $48,640 Building $167,120	$215,760 (-) Land $48,640 Building $167,120
2025	$2,462.00 (+4.99%) Homeowner's exemption	$215,760 (+10.71%) Land $48,640 Building $167,120	$215,760 (+10.71%) Land $48,640 Building $167,120
2024	$2,345.00 (+23.49%)
2023		$194,880 (+41.2%) Land $48,640 Building $146,240	$194,880 (+41.2%) Land $48,640 Building $146,240
2022	$1,899.00 Homeowner's exemption	$138,020 Land $47,600 Building $90,420
2021			$138,020 Land $47,600 Building $90,420

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 61% of the US · above 97.2% of Iowa
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 · DSL	75 / 10
T-Mobile Fixed Wireless	25 / 3

May also be available: Midwest Data Center.

Cell Coverage

5G (outdoors only) and 4G LTE

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