3609 2nd Ave, Council Bluffs, IA 51501 Property Records

Pottawattamie County property record for 3609 2nd Ave, Council Bluffs, IA 51501

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 2009
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$142,000 (Apr 2018)
Tax Bill	$3,032 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`7544 33 204 020`

Property Details

APN / Parcel Number

Primary APN	`7544 33 204 020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Base Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	132 ft deep x 44 ft wide
Garage Area	460 sqft
Porch	Porch
Porch Area	108 sqft

Location & Zoning

Street Address	3609 2ND AVE
City	COUNCIL BLUFFS
State	IA
Zip	51501-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	FERRY ADD LT 18 BLK 30
Legal Range	44W
Legal Township	75N
Legal Section	33
Legal Subdivision	FERRY ADDITION
Legal Block	30
Legal Lot Number	18
Jurisdiction	POTTAWATTAMIE IA
Township / Civil Division	KANE
Census Block Group	3
Census Block	3006
Census Tract	30402

Owner

3609 2nd Ave is owned and occupied by an individual who bought it in April 2018.

Source: Pottawattamie County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	3609 2ND AVE, COUNCIL BLUFFS, IA 51501-3217
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 30, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN NATIONAL BANK & TRUST
Apr 26, 2018	Warranty Deed, Transfer · VA Mortgage AMERICAN NATIONAL BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2018 · Amount on File
Deed Sale	Apr 26, 2018 · Amount on File
Prior Sale	May 27, 2010 · Amount on File
Deed Book / Page	2018 / 4847
Prior Transfer Date	Apr 17, 2018
Prior Transfer Doc	2018
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATTAMIE IA
Recording Date	Apr 16, 2026
Property Address	3609 2ND AVE, COUNCIL BLUFFS, IA 51501-3217
Document Number	0000004013
Instrument Date	Mar 27, 2026
Instrument	20264013
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3609 2ND AVE, COUNCIL BLUFFS, IA 51501-3217

Mortgage

Document Number	0000004013,
Date	Apr 16, 2026
Instrument	20264013

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATTAMIE IA
Property Address	3609 2ND AVE, COUNCIL BLUFFS, IA 51501-3217
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020
Date	Sep 30, 2020
Book Page	2020/14251

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank
Address	OMAHA, NE 68114

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	273 Months
Due	Jun 1, 2043

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POTTAWATTAMIE IA
Recording Date	Apr 26, 2018
Property Address	3609 2ND AVE, COUNCIL BLUFFS, IA 51501-3217
Document Number	2018
Book / Page	2018 / 04847
Instrument Date	Apr 17, 2018
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CLEAR TITLE & ABSTRACT LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$226.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3609 2ND AVE, COUNCIL BLUFFS, IA 51501-3217

Mortgage

Document Number	201804849
Date	Apr 26, 2018
Instrument	2018/04849

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 3609 2nd Ave was $3,032.

Source: Pottawattamie County assessment roll, as of September 23, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Pottawattamie County
Municipality	Council Bluffs City
Unified School District	Council Bluffs Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$195,100 (-) Land $22,300 Building $172,800	$195,100 (-) Land $22,300 Building $172,800
2025	$3,032.00	$195,100 Land $22,300 Building $172,800	$195,100 Land $22,300 Building $172,800
2023		$169,200 Land $19,400 Building $149,800	$169,200 Land $19,400 Building $149,800
2021	$5,084.00

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

Flood

FEMA maps place 3609 2nd Ave in Zone X, where a levee reduces flood risk, though there have been 10 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective April 16, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	10 (1993–2024)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 2 claims Severe Storms And Flooding, Aug 1999 · 2 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

The area around 3609 2nd Ave 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COUNCIL BLUFFS WATER WORKS serves 64,447 people · EPA ID IA7820080
Water Source	Surface water
Last State Inspection	May 2024
Lead	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Great Plains Communications, Western Iowa Wireless.

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