304 6th St, Traer, IA 50675 Property Records

Tama County property record for 304 6th St, Traer, IA 50675

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,126 sqft · built 1912
Lot Size	0.256 acres (11,151 sqft)
Owner	Individual Name on File
Last Sale	$133,500 (Jul 2014)
Tax Bill	$3,450 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07.10.153.005`

Property Details

APN / Parcel Number

Primary APN	`07.10.153.005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,126 sqft Living Area
Basement Area	1,008 sqft
Unfinished Basement	1,118 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,151 sqft (0.256 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	380 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	304 6TH ST
City	TRAER
State	IA
Zip	50675-1302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10-85-14 W 90' E 288.75' N 124' S 360' LOT 5 SW NW
Legal Range	14W
Legal Township	85N
Legal Section	10
Legal Lot Number	5
Jurisdiction	TAMA IA
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3039
Census Tract	290200

Owner

304 6th St is owned and occupied by an individual who acquired it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	304 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
Nov 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Oct 11, 2017	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2014 · Amount on File
Deed Sale	Jul 1, 2014 · Amount on File
Prior Sale	Jun 22, 2012 · Amount on File
Deed Document Number	20141658
Deed Book / Page	935 / 93
Last Transfer Date	Oct 25, 2024
Transfer Doc	0000002440
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	304 6TH ST, TRAER, IA 50675-1302
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020252864
Date	Nov 5, 2025
Instrument	2025-2864

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, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	12%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	304 6TH ST, TRAER, IA 50675-1302
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020213612
Date	Nov 15, 2021
Instrument	2021-3612

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Oct 11, 2017
Property Address	304 6TH ST, TRAER, IA 50675-1302
Document Number	02017/2960
Book / Page	2017 / 2960
Instrument Date	Oct 3, 2017
Instrument	2017-2960
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
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	304 6TH ST, TRAER, IA 50675-1302

Mortgage

Document Number	02017/2961
Date	Oct 11, 2017
Book Page	2017/2961
Instrument	2017-2961

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 304 6th St was $3,450 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	$3,450.00	$186,030 Land $16,920 Building $169,110	$186,030 Land $16,920 Building $169,110
2023		$175,720 Land $16,920 Building $158,800	$175,720 Land $16,920 Building $158,800

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

Flood

FEMA maps place 304 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 304 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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