220 Howard St, Sumner, IA 50674 Property Records

Bremer County property record for 220 Howard St, Sumner, IA 50674

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,600 sqft · built 1966
Lot Size	0.397 acres (17,293 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Sep 2014)
Tax Bill	$3,962 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-452-002`

Property Details

APN / Parcel Number

Primary APN	`04-23-452-002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,600 sqft Living Area
Basement Area	1,150 sqft
Finished Basement	1,150 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,293 sqft (0.397 acres)
Lot Dimensions	173 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Patio Area	300 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	220 HOWARD ST
City	SUMNER
State	IA
Zip	50674-1228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23-93-11 HOWARD LOT 5
Legal Range	11W
Legal Township	93N
Legal Section	23
Legal Subdivision	HOWARD'S ADD
Legal Lot Number	5
Jurisdiction	BREMER IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1005
Census Tract	4700

Owner

Source: Bremer County records, as of September 1, 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	220 HOWARD ST, SUMNER, IA 50674-1228
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU
Jan 11, 2022	Deed of Trust, Mortgage DUPACO COMMUNITY CU
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU
Sep 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DUPACO COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2014 · Amount on Record
Deed Sale	Sep 23, 2014 · Amount on Record
Prior Sale	Sep 3, 2013 · Amount on Record
Deed Document Number	20143564
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	220 HOWARD ST, SUMNER, IA 50674-1228
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020260502
Date	Feb 23, 2026
Instrument	20260502

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52001

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 22, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	220 HOWARD ST, SUMNER, IA 50674-1228
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020221068
Date	Mar 21, 2022
Instrument	20221068

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 20, 2047

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	220 HOWARD ST, SUMNER, IA 50674-1228
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020220181
Date	Jan 11, 2022
Instrument	20220181

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	220 HOWARD ST, SUMNER, IA 50674-1228
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020220164
Date	Jan 10, 2022
Instrument	20220164

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Feb 1, 2037

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	220 HOWARD ST, SUMNER, IA 50674-1228
Transaction Type	Mortgage
Record Updated	Oct 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20193152
Date	Sep 23, 2019
Instrument	20193152

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

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	$3,962.00 (+14.77%) Homeowner's exemption	$265,400 (+14.77%) Land $25,890 Building $239,510	$265,400 (+14.77%) Land $25,890 Building $239,510
2023		$231,250 Land $27,250 Building $204,000	$231,250 Land $27,250 Building $204,000
2022	$3,452.00

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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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