315 Union St, Sumner, IA 50674 Property Records

Bremer County property record for 315 Union St, Sumner, IA 50674

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,144 sqft · built 1967
Lot Size	0.248 acres (10,803 sqft)
Owner	Individual Name on Record
Last Sale	$239,000 (May 2023)
Tax Bill	$2,600 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`04-23-451-013`

Property Details

APN / Parcel Number

Primary APN	`04-23-451-013`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Basement Area	1,144 sqft
Finished Basement	650 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,803 sqft (0.248 acres)
Lot Dimensions	130 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	224 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	315 UNION ST
City	SUMNER
State	IA
Zip	50674-1251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23-93-11 A P SE N 83' E 130' LOT 9
Legal Range	11W
Legal Township	93N
Legal Section	23
Legal Subdivision	AUDITOR SUBD SE1/4 SEC 23 - SUMNER
Legal Block	93
Legal Lot Number	9
Jurisdiction	BREMER IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1003
Census Tract	4700

Owner

Source: Bremer County records, as of September 1, 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	315 UNION ST, SUMNER, IA 50674-1251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTHEAST SECURITY BANK
Sep 5, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2023 · Amount on Record
Deed Sale	May 26, 2023 · Amount on Record
Prior Sale	Sep 5, 2017 · Amount on Record
Deed Document Number	20231364
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	May 26, 2023
Property Address	315 UNION ST, SUMNER, IA 50674-1251
Document Number	0020231364
Map Reference	MB A PG 99-103
Instrument Date	May 21, 2023
Instrument	20231364
Transaction Type	Transfer
Record Updated	Aug 2, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$381.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 UNION ST, SUMNER, IA 50674-1251

Mortgage

Document Number	0020231365
Date	May 26, 2023
Instrument	20231365

Lender

Name	NORTHEAST SECURITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2053

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Sep 5, 2017
Property Address	315 UNION ST, SUMNER, IA 50674-1251
Document Number	2017/3410
Book / Page	2017 / 3410
Instrument Date	Sep 1, 2017
Instrument	20173410
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 UNION ST, SUMNER, IA 50674-1251

Tax Assessment & Valuation

Source: Bremer County assessment roll, as of September 18, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,600.00 (+27.2%) Homeowner's exemption	$192,470 (+34.12%) Land $20,750 Building $171,720	$192,470 (+34.12%) Land $20,750 Building $171,720
2023		$143,510 (+17.48%) Land $20,750 Building $122,760	$143,510 (+17.48%) Land $20,750 Building $122,760
2022	$2,044.00 (+3.02%) Homeowner's exemption	$122,160 Land $20,750 Building $101,410	$122,160 Land $20,750 Building $101,410
2021	$1,984.00

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 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	5 in force
Nearby Flood Claims	12 (2004–2025)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jul 2017 · 7 claims

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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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

May also be available: Windstream.

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