2397 Plum Ave, Wilton, IA 52778 Property Records

Cedar County property record for 2397 Plum Ave, Wilton, IA 52778

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,846 sqft · built 1989
Lot Size	3.16 acres (137,650 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Jul 2021)
Tax Bill	$5,830 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036015344760040`

Property Details

APN / Parcel Number

Primary APN	`036015344760040`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	2,846 sqft Living Area
Attic	Attic
Attic Area	718 sqft
Basement Area	1,904 sqft
Finished Basement	1,425 sqft
Unfinished Basement	729 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	137,650 sqft (3.16 acres)
Garage Type	Attached
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	192 sqft
Patio Area	405 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Geothermal

Location & Zoning

Street Address	2397 PLUM AVE
City	WILTON
State	IA
Zip	52778-9269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1-2-3 RASMUSSEN EST 2ND ADD
Legal Range	02W
Legal Township	79N
Legal Section	34
Legal Subdivision	RASMUSSEN ESTATES SECOND ADDITION
Legal Lot Number	1-334-7
Jurisdiction	CEDAR IA
Township / Civil Division	SUGAR CREEK
Census Block Group	6
Census Block	6079
Census Tract	450500

Owner

Source: Cedar 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	Individual Name on Record
Mailing Address	2397 PLUM AVE, WILTON, IA 52778-9269
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed of Trust, Mortgage · Line of Credit RIA FEDERAL CREDIT UNION
Dec 4, 2019	Deed of Trust, Mortgage · ARM DEERE EMPLOYEES CREDIT UNION
Jul 26, 2021	Warranty Deed, Transfer · Conventional Mortgage SENB BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2021 · Amount on Record
Deed Sale	Jul 26, 2021 · Amount on Record
Prior Sale	Apr 22, 2009 · Amount on Record
Deed Document Number	20212834
Deed Book / Page	1601 / 21
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Recording Date	Aug 21, 2026
Property Address	2397 PLUM AVE, WILTON, IA 52778-9269
Document Number	0000002526
Book / Page	1834 / 305
Instrument Date	Aug 17, 2026
Instrument	20262526
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2397 PLUM AVE, WILTON, IA 52778-9269

Mortgage

Document Number	0000002526,
Date	Aug 21, 2026
Book Page	1834/305
Instrument	20262526

Lender

Name	RIA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 17, 2041

Interest

Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	2397 PLUM AVE, WILTON, IA 52778-9269
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001497/144
Date	Dec 4, 2019
Book Page	1497/144
Instrument	3770

Lender

Name	DEERE EMPLOYEES CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.8%
Type Change Date	Jan 1, 2025
Index	1-Year CMT

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CEDAR IA
Recording Date	Jul 26, 2021
Property Address	2397 PLUM AVE, WILTON, IA 52778-9269
Document Number	0001601/21
Book / Page	1601 / 21
Instrument Date	Jul 8, 2021
Instrument	2021 2834
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$719.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2397 PLUM AVE, WILTON, IA 52778-9269

Mortgage

Document Number	0001601/34
Date	Jul 26, 2021
Book Page	1601/34
Instrument	2021 2835

Lender

Name	SENB BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cedar County assessment roll, as of March 13, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Cedar County
Unified School District	Wilton Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,830.00	$566,150 (-) Land $81,600 Building $484,550	$566,150 (-) Land $81,600 Building $484,550
2025	$5,830.00 (-11.13%)	$566,150 (+4.1%) Land $81,600 Building $484,550	$566,150 (+4.1%) Land $81,600 Building $484,550
2024	$6,560.00 (+13.61%)
2023		$543,840 (+21.84%) Land $89,000 Building $454,840	$543,840 (+21.84%) Land $89,000 Building $454,840
2022	$5,774.00	$446,370 Land $60,750 Building $385,620
2021			$446,370 Land $60,750 Building $385,620

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 August 17, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2016)
Most Recent Claim	Oct 2016 · rainfall accumulation

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 65% of the US · above 62% of Iowa
Wildfire Likelihood	0.05% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WTC Communications Fiber	1,000 / 1,000
Nextlink Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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