21662 Gunder Rd, Saint Olaf, IA 52072 Property Records

Clayton County property record for 21662 Gunder Rd, Saint Olaf, IA 52072

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.75 ba · 1,512 sqft · built 2013
Lot Size	10.1 acres (442,569 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Dec 2012)
Tax Bill	$5,520 (2025)
Deeds & Mortgages	Oct 2019 Refinance Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0634401004`

Property Details

APN / Parcel Number

Primary APN	`0634401004`
Alternative APN	`0634401007`

Interior

Bedrooms	2 Beds
Full Baths	3.75 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
Basement Area	1,512 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	442,569 sqft (10.1 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	245 sqft
Deck Area	755 sqft
Shed	1 Shed
Poultry House	Poultry House

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	21662 GUNDER RD
City	SAINT OLAF
State	IA
Zip	52072-8111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 NE SE AND LOT 1 NW SE 34 94 5
Legal Lot Number	1,2
Jurisdiction	CLAYTON IA
Township / Civil Division	WAGNER
Census Block Group	1
Census Block	1065
Census Tract	70200

Owner

Source: Clayton County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	21662 GUNDER RD, SAINT OLAF, IA 52072-8111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY BANK & TRUST
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST NA
Jan 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST NA
Jun 20, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2012 · Amount on Record
Deed Sale	Dec 11, 2012 · Amount on Record
Prior Sale	Dec 11, 2012 · Amount on Record
Deed Document Number	20125125
Prior Transfer Date	Dec 7, 2012
Prior Transfer Doc	2012R05125
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON IA
Property Address	21662 GUNDER RD, SAINT OLAF, IA 52072-8111
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2019R02830
Date	Oct 1, 2019
Instrument	2019R02830

Lender

Name	FIDELITY BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON IA
Property Address	21662 GUNDER RD, SAINT OLAF, IA 52072-8111
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R05014
Date	Dec 3, 2020
Instrument	2020R05014

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 1, 2036

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON IA
Property Address	21662 GUNDER RD, SAINT OLAF, IA 52072-8111
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R00284
Date	Jan 25, 2022
Instrument	2022R00284

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 24, 2032

Interest

Rate Type	Fixed Rate

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAYTON IA
Recording Date	Jun 20, 2022
Property Address	21662 GUNDER RD, SAINT OLAF, IA 52072-8111
Document Number	2022R02243
Instrument Date	Jun 20, 2022
Instrument	2022R02243
Transaction Type	Transfer
Record Updated	Oct 12, 2023

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	21662 GUNDER RD, SAINT OLAF, IA 52072-8111
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Clayton County assessment roll, as of November 3, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clayton County
Unified School District	Central Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,520.00 (+13.02%) Homeowner's exemption	$496,456 (+19.37%) Land $98,670 Building $397,786	$496,456 (+19.37%) Land $98,670 Building $397,786
2024	$4,884.00 (+5.26%)
2023		$415,901 Land $85,800 Building $330,101	$415,901 Land $85,800 Building $330,101
2022	$4,640.00

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 September 28, 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	1 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

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	0.02% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Northeast Iowa Telephone Company Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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