2255 Bluff Rd, Thurman, IA 51654 Property Records

Fremont County property record for 2255 Bluff Rd, Thurman, IA 51654

Property Summary

Property Type	Rural Home
Details	5 bd · 5 ba · 2,000 sqft · built 2020
Lot Size	2.21 acres (96,268 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,862 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`280280868010000`

Property Details

APN / Parcel Number

Primary APN	`280280868010000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,000 sqft Living Area
1st Floor Area	1,600 sqft
Basement Area	1,600 sqft
Finished Basement	1,300 sqft
Unfinished Basement	300 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	96,268 sqft (2.21 acres)
Garage Type	Attached
Garage Area	772 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	400 sqft
Patio Area	704 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2255 BLUFF RD
City	THURMAN
State	IA
Zip	51654-6019
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PCL C SE1/4 7-68-42
Legal Range	42W
Legal Township	68N
Legal Section	07
Jurisdiction	FREMONT IA
Township / Civil Division	SIDNEY
Census Block Group	3
Census Block	3206
Census Tract	970300

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	2255 BLUFF RD, THURMAN, IA 51654-6019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARBOR BANK
Mar 24, 2020	Warranty Deed, Transfer

Assessor's Deed Record

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT IA
Property Address	2255 BLUFF RD, THURMAN, IA 51654-6019
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/0291
Date	Mar 3, 2021
Book Page	2021/0291
Instrument	20210291

Lender

Name	ARBOR BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT IA
Recording Date	Mar 24, 2020
Property Address	2255 BLUFF RD, THURMAN, IA 51654-6019
Document Number	002020/331
Book / Page	2020 / 331
Instrument Date	Mar 23, 2020
Instrument	20200331
Transaction Type	Transfer
Record Updated	Nov 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1613 NEBRASKA ST, MOUND CITY, MO 64470-1605

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	$5,862.00	$485,710 (-) Land $6,860 Building $478,850	$485,710 (-) Land $6,860 Building $478,850
2025	$5,862.00 (+10.42%)	$485,710 (+16.86%) Land $6,860 Building $478,850	$485,710 (+16.86%) Land $6,860 Building $478,850
2024	$5,309.00 (-18.93%)
2023		$415,650 (+7.06%) Land $5,390 Building $410,260	$415,650 (+7.06%) Land $5,390 Building $410,260
2022	$6,549.00 Additional exemption filed	$388,230 Land $3,700 Building $384,530
2021			$388,230 Land $3,700 Building $384,530

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 · 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
Flood Insurance Cost	Premium on Record median of 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	84 (1993–2019)
Claims Outside the SFHA	80 of 84
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 34 claims Flooding, Aug 2011 · 39 claims Severe Storms & Flooding, Aug 1993 · 5 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	Moderate above 51% of the US · above 84% of Iowa
Wildfire Likelihood	0.08% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream DSL · Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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