313 Oak St, Sumner, IA 50674 Property Records

Bremer County property record for 313 Oak St, Sumner, IA 50674 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,502 sqft · built 1890
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$168,000 (Oct 2025)
Tax Bill	$2,090 (2025)
Deeds & Mortgages	May 2024 Mortgage May 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-24-377-013`

Property Details

APN / Parcel Number

Primary APN	`04-24-377-013`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,502 sqft Living Area
1st Floor Area	572 sqft
Basement Area	1,272 sqft
Finished Basement	700 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	132 ft deep x 165 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	240 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	313 OAK ST
City	SUMNER
State	IA
Zip	50674-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	24-93-11 CARPENTER ADD LOTS 3 & 4 & W 1/2 LOT 5 BLK 34
Legal Range	11W
Legal Township	93N
Legal Section	24
Legal Subdivision	CARPENTER'S C ADD
Legal Block	34
Legal Lot Number	3-5
Jurisdiction	BREMER IA
Township / Civil Division	SUMNER
Census Block Group	2
Census Block	2024
Census Tract	4700

Owner

Source: Bremer County records · APN 04-24-377-013

Assessment roll updated September 18, 2025 · Last verified June 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 File
Mailing Address	313 OAK ST, SUMNER, IA 50674-1529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
May 31, 2024	Deed of Trust, Mortgage · FHA Mortgage NEIGHBORS BANK
May 31, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEIGHBORS BANK
Oct 14, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Oct 14, 2025	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 14, 2025 · Amount on Record
Deed Sale	Oct 14, 2025 · Amount on Record
Prior Sale	Jun 04, 2013 · Amount on Record
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	313 OAK ST, SUMNER, IA 50674-1529
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 E PITTS ST, LAWLER, IA 52154-9395
Investor	Possibly a Property Investor

Mortgage

Document Number	0020241358
Date	May 31, 2024
Instrument	20241358

Lender

Name	NEIGHBORS BANK
Type	Bank
Address	COLUMBIA, MO 65202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2054

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	313 OAK ST, SUMNER, IA 50674-1529
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 OAK ST, SUMNER, IA 50674-1529

Mortgage

Document Number	0020241359
Date	May 31, 2024
Instrument	20241359

Lender

Name	NEIGHBORS BANK
Type	Bank
Address	COLUMBIA, MO 65202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 01, 2034

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	313 OAK ST, SUMNER, IA 50674-1529
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020253282
Date	Oct 14, 2025
Instrument	20253282

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 01, 2035

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Oct 14, 2025
Property Address	313 OAK ST, SUMNER, IA 50674-1529
Document Number	0020253280
Instrument Date	Oct 10, 2025
Instrument	20253280
Transaction Type	Transfer
Record Updated	Nov 21, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$268.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 OAK ST, SUMNER, IA 50674-1529

Mortgage

Document Number	0020253281
Date	Oct 14, 2025
Instrument	20253281

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Nov 01, 2035
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	12.3%

Tax Assessment & Valuation

Source: Bremer County records · Assessment roll updated September 18, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Bremer County
Municipality	Sumner City
Unified School District	Sumner-Fredericksburg Community School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,090.00 Homeowner's exemption	$139,190 (+16.08%) Land $23,100 Building $116,090	$139,190 (+16.08%) Land $23,100 Building $116,090
2024	$2,090.00 (+30.79%)
2023		$119,910 Land $23,100 Building $96,810	$119,910 Land $23,100 Building $96,810
2022	$1,598.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bremer County (19017C), updated January 28, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190170047002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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 Storm	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jul 2017 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims

Wildfire

Wildfire Risk	Low above 5% of the US · above 35% of Iowa
Wildfire Likelihood	About 1 in 7,692 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 200 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Northeast Iowa Telephone Company	Fiber	1,000 / 1,000
Hawkeye Telephone Company	Fiber	1,000 / 1,000
AMG Technology Investment Group	Fixed Wireless (unlicensed)	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
Uniti Group	DSL	200 / 20
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

May also be available at this address: Uniti Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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