300 6th St, Traer, IA 50675 Property Records

Tama County property record for 300 6th St, Traer, IA 50675

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,846 sqft · built 1904
Lot Size	0.595 acres (25,918 sqft)
Owner	Individual Name on File
Last Sale	$79,500 (Aug 2010)
Tax Bill	$2,498 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2024 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07.10.153.004`

Property Details

APN / Parcel Number

Primary APN	`07.10.153.004`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,846 sqft Living Area
Basement Area	1,343 sqft
Unfinished Basement	1,356 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	25,918 sqft (0.595 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	200 sqft
Deck Area	Deck Area
Patio Area	380 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	300 6TH ST
City	TRAER
State	IA
Zip	50675-1302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10-85-14 BEG N 500' & 288.75' W SE COR SW NW PCL 264' X 123.75' (EX N 55') SW NW
Legal Range	14W
Legal Township	85N
Legal Section	10
Legal Subdivision	AUDITORS PLAT
Jurisdiction	TAMA IA
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3039
Census Tract	290200

Owner

300 6th St is owned and occupied by an individual who bought it in August 2010.

Source: Tama County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	300 6TH ST, TRAER, IA 50675-1302
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
Feb 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Apr 1, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Nov 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2010 · Amount on File
Deed Sale	Aug 26, 2010 · Amount on File
Deed Document Number	20102443
Deed Book / Page	878 / 131
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	300 6TH ST, TRAER, IA 50675-1302
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 6TH ST, TRAER, IA 50675-1302

Mortgage

Document Number	0020260279
Date	Feb 5, 2026
Instrument	2026-0279

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	300 6TH ST, TRAER, IA 50675-1302
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 6TH ST, TRAER, IA 50675-1302

Mortgage

Document Number	0020240692
Date	Apr 1, 2024
Instrument	2024-0692

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 10, 2044

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	300 6TH ST, TRAER, IA 50675-1302
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020232503
Date	Nov 13, 2023
Instrument	2023-2503

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	5.37%
Max Rate At Change	9.37%
Index	1-Year T-Bill
Max Rate	13.3%

Tax Assessment & Valuation

The 2025 property tax bill for 300 6th St was $2,498 with a homeowner's exemption.

Source: Tama County assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Tama County
Municipality	Traer City
Unified School District	North Tama County Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,498.00	$137,710 Land $21,820 Building $115,890	$137,710 Land $21,820 Building $115,890
2023		$130,360 Land $21,820 Building $108,540	$130,360 Land $21,820 Building $108,540

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

Flood

FEMA maps place 300 6th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective October 6, 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	3 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2008 · Severe Storms, Tornadoes, And Flooding

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

Wildfire risk around 300 6th St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	TRAER MUNICIPAL WATER PLANT serves 1,583 people · EPA ID IA8681030
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 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	3 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile, Traer Municipal Utilities.

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