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319 E Cummings St, Ute, IA 51060 Property Records

Monona County property record for 319 E Cummings St, Ute, IA 51060

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,942 sqft · built 1974
Lot Size2.63 acres (114,563 sqft)
OwnerIndividual Name on Record
Last Sale$240,500 (Jun 2021)
Tax Bill$4,268 (2026)
Deeds & MortgagesAug 2026 Line of Credit
Jun 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN844226376002

Property Details

APN / Parcel Number

Primary APN844226376002

Interior

Bedrooms5 Beds
Full Baths3 Baths
Total Rooms10 Rooms
Stories1 Story
Building Area2,942 sqft Living Area
1st Floor Area2,950 sqft
Basement Area2,942 sqft
Finished Basement750 sqft
Unfinished Basement2,192 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Exterior MaterialWood
Construction TypeFrame
Foundation TypeConcrete
Roof TypeGable
Roof MaterialAsphalt
Lot Area114,563 sqft (2.63 acres)
Lot Dimensions232 ft deep x 493 ft wide
Garage TypeMixed
Garage Area902 sqft
Parking Spaces3 Parking Spaces
PorchSlab
Porch Area643 sqft
Patio Area96 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump

Location & Zoning

Street Address319 E CUMMINGS ST
CityUTE
StateIA
Zip51060-1041
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 2-4 BLK 9 LARSENS ADDITION
Legal SubdivisionLARSENS ADDITION
JurisdictionMONONA IA
Township / Civil DivisionST. CLAIR
Census Block Group1
Census Block1046
Census Tract960400

Owner

Source: Monona County records, as of October 20, 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 RecordIndividual Name on Record
Mailing Address319 E CUMMINGS ST, UTE, IA 51060-1041
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 3, 2026Deed of Trust, Mortgage · Line of Credit
UNITED BANK OF IOWA
Jun 1, 2021Deed of Trust, Mortgage · VA Mortgage
MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 1, 2021 · Amount on Record
Deed SaleJun 1, 2021 · Amount on Record
Prior SaleOct 4, 2005 · Amount on Record
Deed Document Number2021820
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONONA IA
Recording DateAug 3, 2026
Property Address319 E CUMMINGS ST, UTE, IA 51060-1041
Document Number0000001125
Instrument DateJul 31, 2026
Instrument20261125
Transaction TypeMortgage
Record UpdatedAug 7, 2026
Title CompanyWOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

NameVerified Name
Address319 E CUMMINGS ST, UTE, IA 51060-1041

Mortgage

Document Number0000001125,
DateAug 3, 2026
Instrument20261125
Lender
NameUNITED BANK OF IOWA
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate6.43%
Max Rate-1%

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONONA IA
Property Address319 E CUMMINGS ST, UTE, IA 51060-1041
Transaction TypeMortgage
Record UpdatedApr 19, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0020210821
DateJun 1, 2021
Instrument2021-0821
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2051
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Monona County assessment roll, as of May 19, 2026

Property Jurisdictions

TypeName
StateIowa
CountyMonona County
MunicipalityUte City
Unified School DistrictCharter Oak-Ute Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,268.00 Homeowner's exemption$336,096 (-1.01%) Land $23,150 Building $312,946$336,096 (-1.01%) Land $23,150 Building $312,946
2025$4,268.00 (+32.3%)$339,530 (+34.47%) Land $23,150 Building $316,380$339,530 (+34.47%) Land $23,150 Building $316,380
2024$3,226.00 (-11.47%)
2023$252,488 (+13.21%) Land $23,150 Building $229,338$252,488 (+13.21%) Land $23,150 Building $229,338
2022$3,644.00 Homeowner's exemption$223,029
2021$223,029

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 June 15, 2022

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 95% of the US · lower than 68% of Iowa
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemUTE WATER SUPPLY
serves 338 people · EPA ID IA6762043
Water SourceGroundwater
Last State InspectionJun 2024
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 51 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Long Lines Metro
Cable		1,500 / 50
Nextlink
Fixed Wireless		1,000 / 1,000
Windstream
DSL		200 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Western Iowa Wireless.

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