2302 Cardiff Rd, Sergeant Bluff, IA 51054 Property Records

Woodbury County property record for 2302 Cardiff Rd, Sergeant Bluff, IA 51054

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,204 sqft · built 1976
Lot Size	0.333 acres (14,520 sqft)
Owner	Individual Name on File
Last Sale	$196,500 (Nov 2018)
Tax Bill	$3,922 (2025)
Deeds & Mortgages	May 2020 Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`884729380002`

Property Details

APN / Parcel Number

Primary APN	`884729380002`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,204 sqft Living Area
Basement Area	1,204 sqft
Finished Basement	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,520 sqft (0.333 acres)
Lot Dimensions	121 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	650 sqft
Deck Area	532 sqft
Patio Area	532 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	2302 CARDIFF RD
City	SERGEANT BLUFF
State	IA
Zip	51054-9762
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAMELOT ADDN LOT 2 BLK 7
Legal Subdivision	SERGEANT BLUFF CITY CAMELOT ADDN
Legal Block	7
Legal Lot Number	2
Jurisdiction	WOODBURY IA
Township / Civil Division	WOODBURY
Census Block Group	1
Census Block	1024
Census Tract	3301

Owner

2302 Cardiff Rd is owned and occupied by an individual who bought it in November 2018.

Source: Woodbury County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	2302 CARDIFF RD, SERGEANT BLUFF, IA 51054-9762
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 22, 2020	Deed of Trust, Mortgage · Conventional with PMI WELLS FARGO BK
Nov 26, 2018	Warranty Deed, Transfer WELLS FARGO BANK NA
Jan 6, 2017	Loan Modification, Mortgage · FHA Mortgage NATIONWIDE ADVANTAGE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2018 · Amount on File
Deed Sale	Nov 26, 2018 · Amount on File
Deed Document Number	20186093
Deed Book / Page	762 / 349
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	2302 CARDIFF RD, SERGEANT BLUFF, IA 51054-9762
Document Number	0000006269
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Apr 8, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2302 CARDIFF RD SERGEANT BLUFF IA 510549762, SERGEANT BLUFF, IA 51054-9762

Mortgage

Document Number	0000006269
Date	May 28, 2020
Instrument	6269

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	May 27, 2040

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WOODBURY IA
Recording Date	Nov 26, 2018
Property Address	2302 CARDIFF RD, SERGEANT BLUFF, IA 51054-9762
Document Number	0000006093
Book / Page	762 / 349
Instrument Date	Nov 9, 2018
Instrument	6093
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2302 CARDIFF RD, SERGEANT BLUFF, IA 51054-9762

Mortgage

Document Number	, 0000000354
Date	Nov 26, 2018
Book Page	0000000762/0000000354

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	350 Months
Due	Jan 1, 2048

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WOODBURY IA
Property Address	2302 CARDIFF RD, SERGEANT BLUFF, IA 51054-9762
Document Number	0000009377
Book / Page	000751 / 007324
Instrument Date	Jan 6, 2017
Transaction Type	Mortgage
Record Updated	Feb 23, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2302 CARDIFF RD SERGEANT BLUFF IA 510549762, SERGEANT BLUFF, IA 51054-9762

Mortgage

Document Number	0000009377
Date	Feb 15, 2017
Book Page	000751/007324
Instrument	9377

Lender

Name	NATIONWIDE ADVANTAGE MTG
Type	Mortgage Company
Address	DES MOINES, IA 50391

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 2302 Cardiff Rd was $3,922 with a homeowner's exemption.

Source: Woodbury County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Woodbury County
Municipality	Sergeant Bluff City
Unified School District	Sergeant Bluff-Luton Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,922.00 Homeowner's exemption	$277,310 Land $29,160 Building $248,150	$277,310 Land $29,160 Building $248,150
2023	$3,722.00 (+11.77%) Homeowner's exemption	$259,310 Land $25,230 Building $234,080	$259,310 Land $25,230 Building $234,080
2022	$3,330.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2302 Cardiff Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 22, 2024

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

Wildfire risk around 2302 Cardiff Rd is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · above 73% of Iowa
Wildfire Likelihood	0.07% 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	SERGEANT BLUFF WATER SUPPLY serves 5,015 people · EPA ID IA9774033
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	4 ppb (2022–2024) 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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Fiber · Cable in parts of the area	1,000 / 1,000
Sparklight Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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