2640 Echo Ave, Letts, IA 52754 Property Records

Muscatine County property record for 2640 Echo Ave, Letts, IA 52754

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,416 sqft · built 1928
Lot Size	2.76 acres (120,225 sqft)
Owner	Individual Name on Record
Last Sale	$72,000 (Aug 2018)
Tax Bill	$1,388 (2024)
Deeds & Mortgages	Jun 2023 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1127200014`

Property Details

APN / Parcel Number

Primary APN	`1127200014`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,416 sqft Living Area
1st Floor Area	612 sqft
Basement Area	612 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1928
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	120,225 sqft (2.76 acres)
Garage Type	Carport
Carport	Carport
Carport Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	112 sqft
Deck Area	256 sqft
Shed	1 Shed
Quonset Hut	Quonset Hut

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2640 ECHO AVE
City	LETTS
State	IA
Zip	52754-9527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1-AGRICULTURAL DISTRICT
Legal Description	27-76-4W LOT 2 ECHO - ECHO ADD 2018-03857
Legal Subdivision	ECHO - ECHO ADD
Legal Lot Number	2
Jurisdiction	MUSCATINE IA
Township / Civil Division	CEDAR
Census Block Group	1
Census Block	1081
Census Tract	50400

Owner

Source: Muscatine County records, as of September 29, 2025

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
Co-owner	Co-owner on Record
Mailing Address	2640 ECHO AVE, LETTS, IA 52754-9527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2023	Deed of Trust, Mortgage · Line of Credit CBI BANK & TRUST
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage CBI BANK & TRUST
Dec 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage CBI BANK & TRUST
Aug 15, 2018	Warranty Deed, Transfer · ARM COMMUNITY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2018 · Amount on Record
Deed Sale	Aug 15, 2018 · Amount on Record
Prior Sale	Sep 21, 2005 · Amount on Record
Deed Document Number	2018-04286
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSCATINE IA
Property Address	2640 ECHO AVE, LETTS, IA 52754-9527
Transaction Type	Mortgage
Record Updated	Jul 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202302774
Date	Jun 23, 2023
Instrument	2023-02774

Lender

Name	CBI BANK & TRUST
Type	Bank
Address	CORALVILLE, IA 52241

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSCATINE IA
Property Address	2640 ECHO AVE, LETTS, IA 52754-9527
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202002448
Date	May 13, 2020
Instrument	2020-02448

Lender

Name	CBI BANK & TRUST
Type	Bank
Address	MUSCATINE, IA 52761

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSCATINE IA
Property Address	2640 ECHO AVE, LETTS, IA 52754-9527
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201906088
Date	Dec 9, 2019
Instrument	2019-06088

Lender

Name	CBI BANK & TRUST
Type	Bank
Address	CORALVILLE, IA 52241

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSCATINE IA
Recording Date	Aug 15, 2018
Property Address	2640 ECHO AVE, LETTS, IA 52754-9527
Document Number	0201804286
Instrument Date	Aug 14, 2018
Instrument	2018-04286
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$114.40
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	2640 ECHO AVE, LETTS, IA 52754-9527

Mortgage

Document Number	0201804287
Date	Aug 15, 2018
Instrument	2018-04287

Lender

Name	COMMUNITY BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.5%
Index	1-Year CMT
Margin	3
Max Rate	10.5%

Tax Assessment & Valuation

Source: Muscatine County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Muscatine County
Unified School District	Louisa-Muscatine Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$138,380 (+17.99%) Land $25,440 Building $112,940	$138,380 (+17.99%) Land $25,440 Building $112,940
2024	$1,388.00 (+0.58%)
2023		$117,278 (-3.58%) Land $25,440 Building $91,838	$117,278 (-3.58%) Land $25,440 Building $91,838
2022	$1,380.00 Homeowner's exemption	$121,630 Land $24,000 Building $97,630
2021			$121,630 Land $24,000 Building $97,630

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 27, 2022 · 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	4 (2008–2010)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2010 · other causes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 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 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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)
Nextlink Fixed Wireless	1,000 / 1,000
Louisa Communications Fixed Wireless	25 / 3

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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