312 Mill St, Traer, IA 50675 Property Records

Tama County property record for 312 Mill St, Traer, IA 50675

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,156 sqft · built 1910
Lot Size	0.382 acres (16,640 sqft)
Owner	Individual Name on Record
Last Sale	$25,000 (Apr 2021)
Tax Bill	$3,548 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07.10.152.016`

Property Details

APN / Parcel Number

Primary APN	`07.10.152.016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,156 sqft Living Area
Basement Area	545 sqft
Unfinished Basement	531 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,640 sqft (0.382 acres)
Garage Type	Mixed
Garage Area	2,106 sqft
Parking Spaces	7 Parking Spaces
Deck Area	252 sqft
Patio Area	88 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	312 MILL ST
City	TRAER
State	IA
Zip	50675-1124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 170' LOT 7 (EX S 3' E 120') MORISON'S
Legal Subdivision	MORISON'S
Legal Lot Number	7
Jurisdiction	TAMA IA
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3037
Census Tract	290200

Owner

Source: Tama County records, as of May 27, 2026

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
Mailing Address	312 MILL ST, TRAER, IA 50675-1124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES SAVINGS BANK
Oct 24, 2018	Deed of Trust, Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Deed Document Number	20211348
Prior Transfer Date	Mar 16, 2021
Prior Transfer Doc	0000000949
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	312 MILL ST, TRAER, IA 50675-1124
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020221510
Date	Jun 6, 2022
Instrument	2022-1510

Lender

Name	PEOPLES SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	312 MILL ST, TRAER, IA 50675-1124
Transaction Type	Mortgage
Record Updated	Nov 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20182474
Date	Oct 24, 2018
Instrument	2018-2474

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	171 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

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	$3,548.00	$189,260 (+5.29%) Land $18,220 Building $171,040	$189,260 (+5.29%) Land $18,220 Building $171,040
2023		$179,750 Land $18,220 Building $161,530	$179,750 Land $18,220 Building $161,530

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 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	0.01% 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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