300 E Cummings St, Ute, IA 51060 Property Records

Monona County property record for 300 E Cummings St, Ute, IA 51060

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,632 sqft · built 1993
Lot Size	0.489 acres (21,301 sqft)
Owner	2 Trust Names on File
Last Sale	$393,000 (May 2006)
Tax Bill	$4,958 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2013 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`844226376018`

Property Details

APN / Parcel Number

Primary APN	`844226376018`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,632 sqft Living Area
1st Floor Area	2,618 sqft
Basement Area	2,632 sqft
Finished Basement	2,050 sqft
Unfinished Basement	582 sqft
Game Room	Game Room
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,301 sqft (0.489 acres)
Lot Dimensions	142 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	60 sqft
Deck Area	667 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	300 E CUMMINGS ST
City	UTE
State	IA
Zip	51060-1041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1,2 & 3 BLK 8 LARSENS ADDITION
Legal Subdivision	LARSENS ADD
Jurisdiction	MONONA IA
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1077
Census Tract	960400

Owner

300 E Cummings St is owner-occupied and held in a trust since June 2024.

Source: Monona County records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	300 E CUMMINGS ST, UTE, IA 51060-1041
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jan 23, 2026	Deed of Trust, Mortgage · Commercial Mortgage FARM CREDIT SERVICES OF AMERICA ACA
Nov 16, 2013	Deed of Trust, Mortgage · FmHA Mortgage FARM CREDIT SERVICES OF AMERICA FLCA
May 9, 2006	Legal Action/Court Order, Foreclosure · FHA Mortgage FARM CREDIT SERVICES OF AMERICA FLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2006 · Amount on File
Deed Sale	May 9, 2006 · Amount on File
Deed Document Number	2006789
Deed Book / Page	124 / 81
Last Transfer Date	Jun 4, 2024
Transfer Doc	0000000840
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONONA IA
Property Address	300 E CUMMINGS ST, UTE, IA 51060-1041
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 E CUMMINGS ST, UTE, IA 51060-1041

Mortgage

Document Number	0020260122
Date	Jan 23, 2026
Instrument	2026-0122

Lender

Name	FARM CREDIT SERVICES OF AMERICA ACA
Type	Bank
Address	OMAHA, NE 68103

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	362 Months
Due	Mar 1, 2056

November 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONONA IA
Property Address	300 E CUMMINGS ST, UTE, IA 51060-1041
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000154/020
Date	Nov 16, 2013
Book Page	154/020
Instrument	13-1583

Lender

Name	FARM CREDIT SERVICES OF AMERICA FLCA
Address	OMAHA, NE 68137

Agreement

Type	FmHA Mortgage

May 2006: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	MONONA IA
Recording Date	May 9, 2006
Property Address	300 E CUMMINGS ST, UTE, IA 51060-1041
Document Number	0000124/81
Book / Page	124 / 81
Instrument Date	May 9, 2006
Instrument	06-0789
Transaction Type	Foreclosure
Record Updated	May 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$628.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	300 CUMMINS, UTE, IA 51060-1041

Mortgage

Document Number	0000060792
Date	May 9, 2006
Instrument	06-0792

Lender

Name	FARM CREDIT SERVICES OF AMERICA FLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2031

Tax Assessment & Valuation

The 2026 property tax bill for 300 E Cummings St was $4,958 with a homeowner's exemption.

Source: Monona County assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Monona County
Municipality	Ute City
Unified School District	Charter Oak-Ute Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,958.00 Homeowner's exemption	$391,172 (-1.44%) Land $8,860 Building $382,312	$391,172 (-1.44%) Land $8,860 Building $382,312
2025	$4,958.00 (+33.78%) Homeowner's exemption	$396,899 (+35.67%) Land $8,860 Building $388,039	$396,899 Land $8,860 Building $388,039
2024	$3,706.00	$292,537 (-) Land $8,860 Building $283,677
2023		$292,537 (+12.92%) Land $8,860 Building $283,677	$292,537 Land $8,860 Building $283,677
2022	$4,326.00 Homeowner's exemption	$259,065
2021			$259,065

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

Flood

FEMA maps place 300 E Cummings St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 15, 2022

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 300 E Cummings 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 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.02% 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	UTE WATER SUPPLY serves 338 people · EPA ID IA6762043
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Cable	1,500 / 50
Nextlink Fixed Wireless	1,000 / 1,000
Windstream DSL	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Western Iowa Wireless.

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