Bremer County property record for 313 N Railroad St, Sumner, IA 50674
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,276 sqft · built 1915 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,500 (Oct 2020) |
| Tax Bill | $3,512 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-24-356-003 |
| Primary APN | 04-24-356-003 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,276 sqft Living Area |
| 1st Floor Area | 994 sqft |
| Basement Area | 994 sqft |
| Unfinished Basement | 1,000 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 132 ft deep x 132 ft wide |
| Garage Type | Detached |
| Garage Area | 1,084 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 256 sqft |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 313 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 LOTS 1 & 2 BLK 11 |
| Legal Range | 11W |
| Legal Township | 93N |
| Legal Section | 24 |
| Legal Subdivision | SUMNER (ORIGINAL TOWN) |
| Legal Block | 11 |
| Legal Lot Number | 1,2 |
| Jurisdiction | BREMER IA |
| Township / Civil Division | SUMNER |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 4700 |
313 N Railroad St is owned and occupied by an individual who bought it in October 2020.
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 | 313 N RAILROAD ST, SUMNER, IA 50674-1122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LUANNA SAVINGS BANK |
| Oct 16, 2020 | Warranty Deed, Transfer · Conventional Mortgage GREEN STATE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 16, 2020 · Amount on File |
| Deed Sale | Oct 16, 2020 · Amount on File |
| Prior Sale | Jun 1, 2010 · Amount on File |
| Deed Document Number | 20204550 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREMER IA |
| Property Address | 313 N RAILROAD ST, SUMNER, IA 50674-1122 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0020203406 |
|---|---|
| Date | Aug 12, 2020 |
| Instrument | 20203406 |
| Name | LUANNA SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 11, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREMER IA |
| Recording Date | Oct 16, 2020 |
| Property Address | 313 N RAILROAD ST, SUMNER, IA 50674-1122 |
| Document Number | 0020204550 |
| Instrument Date | Sep 28, 2020 |
| Instrument | 20204550 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $256.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 313 N RAILROAD ST, SUMNER, IA 50674-1122 |
| Document Number | 0020204551 |
|---|---|
| Date | Oct 16, 2020 |
| Instrument | 20204551 |
| Name | GREEN STATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 5, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 5, 2030 |
| Change Frequency | Monthly |
| Min Rate At Change | 5% |
| Max Rate At Change | 5.37% |
| Index | 1-Month LIBOR |
The 2025 property tax bill for 313 N Railroad St was $3,512.
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 | $3,512.00 | $225,540 Land $21,120 Building $204,420 | $225,540 Land $21,120 Building $204,420 |
| 2023 | $203,150 Land $20,790 Building $182,360 | $203,150 Land $20,790 Building $182,360 | |
| 2022 | $2,888.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 313 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 313 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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