Benton County property record for 400 Summer St SE, Shellsburg, IA 52332
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3.5 ba · 2,536 sqft · built 2021 |
| Lot Size | 0.382 acres (16,632 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Jan 2023) |
| Tax Bill | $5,196 (2026) |
| Deeds & Mortgages | Dec 2020 Construction Loan Dec 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19020850 |
| Primary APN | 19020850 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,536 sqft Living Area |
| 1st Floor Area | 1,456 sqft |
| Attic | Attic |
| Attic Area | 235 sqft |
| Basement Area | 1,456 sqft |
| Finished Basement | 600 sqft |
| Unfinished Basement | 672 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,632 sqft (0.382 acres) |
| Lot Dimensions | 132 ft deep x 126 ft wide |
| Garage Type | Attached |
| Garage Area | 1,080 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 400 SUMMER ST SE |
|---|---|
| City | SHELLSBURG |
| State | IA |
| Zip | 52332-9732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E JONES ADD LOT 3 & 4 BLK 4 |
| Legal Subdivision | JONES ADD SHELLSBURG |
| Legal Block | 4 |
| Legal Lot Number | 3,4 |
| Jurisdiction | BENTON IA |
| Township / Civil Division | SHELLSBURG |
| Census Block Group | 2 |
| Census Block | 2096 |
| Census Tract | 960400 |
400 Summer St SE is owned and occupied by an individual who bought it in January 2023.
Source: Benton 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 Record | Individual Name on File |
|---|---|
| Mailing Address | 400 SUMMER ST SE, SHELLSBURG, IA 52332-9732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2020 | Deed of Trust, Mortgage · Construction Mortgage VERIDIAN CU |
| Dec 12, 2022 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| May 1, 2015 | Deed of Trust, Mortgage · Conventional Mortgage PALO SAVINGS BANK |
| Jan 6, 2023 | Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 6, 2023 · Amount on File |
| Deed Sale | Jan 6, 2023 · Amount on File |
| Deed Document Number | 202346 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 400 SUMMER ST SE, SHELLSBURG, IA 52332-9732 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000205504 |
|---|---|
| Date | Dec 8, 2020 |
| Instrument | 20-5504 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.25% |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 400 SUMMER ST SE, SHELLSBURG, IA 52332-9732 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000225281 |
|---|---|
| Date | Dec 12, 2022 |
| Instrument | 22-5281 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON IA |
| Property Address | 400 SUMMER ST SE, SHELLSBURG, IA 52332-9732 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00015/1020 |
|---|---|
| Date | May 1, 2015 |
| Book Page | 15/1020 |
| Name | PALO SAVINGS BANK |
|---|---|
| Address | PALO, IA 52324 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON IA |
| Recording Date | Jan 6, 2023 |
| Property Address | 400 SUMMER ST SE, SHELLSBURG, IA 52332-9732 |
| Document Number | 0000230046 |
| Instrument Date | Dec 28, 2022 |
| Instrument | 23-0046 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $519.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 400 SUMMER ST SE, SHELLSBURG, IA 52332-9732 |
| Document Number | 0000230047 |
|---|---|
| Date | Jan 6, 2023 |
| Instrument | 23-0047 |
| Name | HERITAGE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
The 2026 property tax bill for 400 Summer St SE was $5,196 with a homeowner's exemption, down 2% from the year before.
Source: Benton County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Benton County |
| Municipality | Shellsburg City |
| Unified School District | Vinton-Shellsburg Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,196.00 (-1.96%) | $328,100 (-) Land $20,100 Building $308,000 | $328,100 (-) Land $20,100 Building $308,000 |
| 2025 | $5,300.00 Homeowner's exemption | $328,100 Land $20,100 Building $308,000 | $328,100 Land $20,100 Building $308,000 |
| 2024 | $5,300.00 | ||
| 2023 | $312,600 (+30.9%) Land $20,100 Building $292,500 | $312,600 Land $20,100 Building $292,500 | |
| 2022 | $4,572.00 Homeowner's exemption | $238,800 Land $16,100 Building $222,700 | |
| 2021 | $238,800 Land $16,100 Building $222,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 400 Summer St SE in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.
Source: FEMA National Flood Hazard Layer, effective September 22, 2023 · 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 | 3 in force |
| Nearby Flood Claims | 1 (2010) |
| Most Recent Claim | Jun 2010 · river or lake flooding |
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 risk around 400 Summer St SE is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 | SHELLSBURG WATER SUPPLY serves 961 people · EPA ID IA0670043 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2022–2024) 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 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| USA Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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