Bremer County property record for 305 N Railroad St, Sumner, IA 50674
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,062 sqft · built 1952 |
| Lot Size | 0.121 acres (5,271 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Jun 2018) |
| Tax Bill | $1,804 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jun 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-24-356-008 |
| Primary APN | 04-24-356-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,062 sqft Living Area |
| Basement Area | 1,062 sqft |
| Finished Basement | 550 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,271 sqft (0.121 acres) |
| Lot Dimensions | 96 ft deep x 55 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Patio Area | 248 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 305 N RAILROAD ST |
|---|---|
| City | SUMNER |
| State | IA |
| Zip | 50674-1122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 24-93-11 ORIGINAL N 55' E 30' LOT 7 BLK 11 & ORIGINAL N 55' LOT 8 BLK 11 |
| Legal Range | 11W |
| Legal Township | 93N |
| Legal Section | 24 |
| Legal Subdivision | SUMNER (ORIGINAL TOWN) |
| Legal Block | 11 |
| Legal Lot Number | 7,8 |
| Jurisdiction | BREMER IA |
| Township / Civil Division | SUMNER |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 4700 |
305 N Railroad St is owned and occupied by an individual who bought it in June 2018.
Source: Bremer County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 N RAILROAD ST, SUMNER, IA 50674-1122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Jun 29, 2018 | Deed of Trust, Mortgage LINCOLN SAVINGS BANK |
| Nov 17, 2021 | Warranty Deed, Transfer |
| Jun 29, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2018 · Amount on File |
| Deed Sale | Jun 29, 2018 · Amount on File |
| Deed Document Number | 20182415 |
| Deed Book / Page | 2018 / 2415 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREMER IA |
| Property Address | 305 N RAILROAD ST, SUMNER, IA 50674-1122 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020205805 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 20205805 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREMER IA |
| Property Address | 305 N RAILROAD ST, SUMNER, IA 50674-1122 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000002416 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 0000002018/0000002416 |
| Instrument | 20182416 |
| Name | LINCOLN SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 355 Months |
| Due | Jan 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREMER IA |
| Recording Date | Nov 17, 2021 |
| Property Address | 305 N RAILROAD ST, SUMNER, IA 50674-1122 |
| Document Number | 0020215591 |
| Instrument Date | Nov 9, 2021 |
| Instrument | 20215591 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $226.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 N RAILROAD ST, SUMNER, IA 50674-1122 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREMER IA |
| Recording Date | Jun 29, 2018 |
| Property Address | 305 N RAILROAD ST, SUMNER, IA 50674-1122 |
| Document Number | 02018/2415 |
| Book / Page | 2018 / 2415 |
| Instrument Date | Jun 27, 2018 |
| Instrument | 20182415 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 N RAILROAD ST, SUMNER, IA 50674-1122 |
The 2025 property tax bill for 305 N Railroad St was $1,804 with a homeowner's exemption.
Source: Bremer County assessment roll, as of September 18, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Bremer County |
| Municipality | Sumner City |
| Unified School District | Sumner-Fredericksburg Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,804.00 Homeowner's exemption | $150,360 Land $9,300 Building $141,060 | $150,360 Land $9,300 Building $141,060 |
| 2023 | $133,550 Land $8,720 Building $124,830 | $133,550 Land $8,720 Building $124,830 | |
| 2022 | $1,628.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 N Railroad St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2004.
Source: FEMA National Flood Hazard Layer, effective January 28, 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 | 8 in force |
| Nearby Flood Claims | 9 (2004–2017) |
| Claims Outside the SFHA | 1 of 9 |
| Most Recent Claim | Jul 2017 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 305 N Railroad St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUMNER WATER SUPPLY serves 2,030 people · EPA ID IA0970006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 290 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL | 2,000 / 2,000 |
| Hawkeye Telephone Fiber | 1,000 / 1,000 |
| Northeast Iowa Telephone Company Fiber | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| GigFire Fixed Wireless | 150 / 130 |
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