Bremer County property record for 400 W 3rd St, Sumner, IA 50674
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,767 sqft · built 1911 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $178,000 (Oct 2023) |
| Tax Bill | $2,526 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Aug 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-23-479-013 |
| Primary APN | 04-23-479-013 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,767 sqft Living Area |
| 1st Floor Area | 852 sqft |
| Basement Area | 852 sqft |
| Finished Basement | 200 sqft |
| Unfinished Basement | 852 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 208 sqft |
| Patio Area | 287 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 400 W 3RD ST |
|---|---|
| City | SUMNER |
| State | IA |
| Zip | 50674-1320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 23-93-11 A P SE SE E 1/2 LOT 59 |
| Legal Range | 11W |
| Legal Township | 93N |
| Legal Section | 23 |
| Legal Subdivision | AUDITOR SUBD SE1/4 SEC 23 - SUMNER |
| Legal Block | 93 |
| Legal Lot Number | 59 |
| Jurisdiction | BREMER IA |
| Township / Civil Division | SUMNER |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 4700 |
Source: Bremer County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 400 W 3RD ST, SUMNER, IA 50674-1320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Aug 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHEAST SECURITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2023 · Amount on Record |
| Deed Sale | Oct 16, 2023 · Amount on Record |
| Deed Document Number | 20232931 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREMER IA |
| Recording Date | Oct 16, 2023 |
| Property Address | 400 W 3RD ST, SUMNER, IA 50674-1320 |
| Document Number | 0020232931 |
| Instrument Date | Oct 12, 2023 |
| Instrument | 20232931 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $284.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 400 W 3RD ST, SUMNER, IA 50674-1320 |
| Document Number | 0020232932 |
|---|---|
| Date | Oct 16, 2023 |
| Instrument | 20232932 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.75% |
| Type Change Date | Nov 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 5.75% |
| Max Rate At Change | 9.75% |
| Index | 1-Year T-Bill |
| Max Rate | 13.7% |
| Document Number | 0020232933 |
|---|---|
| Date | Oct 16, 2023 |
| Instrument | 20232933 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREMER IA |
| Property Address | 400 W 3RD ST, SUMNER, IA 50674-1320 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2019 |
| Name | Verified Name |
|---|
| Document Number | 20192769 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 20192769 |
| Name | NORTHEAST SECURITY BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
Source: Bremer County assessment roll, as of September 18, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Bremer County |
| Municipality | Sumner City |
| Unified School District | Sumner-Fredericksburg Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,526.00 (+34.08%) Homeowner's exemption | $185,570 (+28.68%) Land $13,200 Building $172,370 | $185,570 (+28.68%) Land $13,200 Building $172,370 |
| 2023 | $144,210 Land $11,550 Building $132,660 | $144,210 Land $11,550 Building $132,660 | |
| 2022 | $1,884.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 91% 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.
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 |
| 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 290 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL | 2,000 / 2,000 |
| 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 |
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