221 Howard St, Sumner, IA 50674 Property Records

Bremer County property record for 221 Howard St, Sumner, IA 50674

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,692 sqft · built 1959
Lot Size	0.503 acres (21,911 sqft)
Owner	Individual Name on Record
Last Sale	$202,000 (Aug 2022)
Tax Bill	$3,304 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-376-012`

Property Details

APN / Parcel Number

Primary APN	`04-23-376-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Building Area	1,692 sqft Living Area
1st Floor Area	1,496 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,911 sqft (0.503 acres)
Lot Dimensions	219 ft deep x 100 ft wide

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Patio Area	416 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	221 HOWARD ST
City	SUMNER
State	IA
Zip	50674-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23-93-11 CORKERY ADD LOT 29
Legal Range	11W
Legal Township	93N
Legal Section	23
Legal Subdivision	CORKERY ADD
Legal Lot Number	29
Jurisdiction	BREMER IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1003
Census Tract	4700

Owner

Source: Bremer County records, as of September 1, 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	Individual Name on Record
Mailing Address	221 HOWARD ST, SUMNER, IA 50674-1227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CU
Sep 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Aug 5, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2022 · Amount on Record
Deed Sale	Aug 5, 2022 · Amount on Record
Deed Document Number	20222956
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	221 HOWARD ST, SUMNER, IA 50674-1227
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 HOWARD ST, SUMNER, IA 50674-1227

Mortgage

Document Number	0020253815
Date	Dec 1, 2025
Instrument	20253815

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	221 HOWARD ST, SUMNER, IA 50674-1227
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020193064
Date	Sep 17, 2019
Instrument	20193064

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2029

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	221 HOWARD ST, SUMNER, IA 50674-1227
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020213303
Date	Jul 1, 2021
Instrument	20213303

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 30, 2046

Interest

Rate Type	Fixed Rate

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Aug 5, 2022
Property Address	221 HOWARD ST, SUMNER, IA 50674-1227
Document Number	0020222956
Instrument Date	Aug 3, 2022
Instrument	20222956
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 HOWARD ST, SUMNER, IA 50674-1227

Mortgage

Document Number	0020222957
Date	Aug 5, 2022
Instrument	20222957

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2037

Interest

Rate Type	Fixed Rate

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	$3,304.00 (+6.99%) Homeowner's exemption	$223,130 (+10.01%) Land $27,310 Building $195,820	$223,130 (+10.01%) Land $27,310 Building $195,820
2023		$202,830 Land $27,310 Building $175,520	$202,830 Land $27,310 Building $175,520
2022	$3,088.00

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.

Nearby Properties on Howard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures