401 4th St, Traer, IA 50675 Property Records

Tama County property record for 401 4th St, Traer, IA 50675

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,145 sqft · built 1890
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on File
Last Sale	$99,000 (Feb 2025)
Tax Bill	$2,140 (2025)
Deeds & Mortgages	May 2005 Mortgage Feb 2025 Sale & Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07.10.177.001`

Property Details

APN / Parcel Number

Primary APN	`07.10.177.001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,145 sqft Living Area
Basement Area	252 sqft
Unfinished Basement	396 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,187 sqft (0.165 acres)
Garage Type	Detached
Garage Area	676 sqft
Porch	Slab
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	401 4TH ST
City	TRAER
State	IA
Zip	50675-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLK 5 ORIGINAL
Legal Subdivision	ORIGINAL TOWN
Legal Block	5
Legal Lot Number	10
Jurisdiction	TAMA IA
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3043
Census Tract	290200

Owner

401 4th St is owned and occupied by an individual who bought it in February 2025.

Source: Tama County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	401 4TH ST, TRAER, IA 50675-1107
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
May 5, 2005	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK OF TOLEDO
Feb 6, 2025	Warranty Deed, Transfer · Line of Credit CHELSEA SAVINGS BANK
Oct 24, 2013	Contract Sale, Transfer
Feb 28, 2012	Warranty Deed, Transfer · Conventional Mortgage CHELSEA SAVINGS BANK
May 29, 2008	Contract Sale, Transfer
Jul 20, 2007	Warranty Deed, Transfer · Conventional Mortgage STATE BANK OF TOLEDO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2025 · Amount on File
Deed Sale	Feb 6, 2025 · Amount on File
Prior Sale	Oct 24, 2013 · Amount on File
Deed Document Number	2025280
Record Updated	Oct 29, 2026

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	401 4TH ST, TRAER, IA 50675-1107
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000742/330
Date	May 5, 2005
Book Page	0742/330
Instrument	2005-3962

Lender

Name	STATE BANK OF TOLEDO
Address	TOLEDO, IA 52342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Feb 6, 2025
Property Address	401 4TH ST, TRAER, IA 50675-1107
Document Number	0020250280
Instrument Date	Feb 6, 2025
Instrument	2025-0280
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 4TH ST, TRAER, IA 50675-1107

Mortgage

Document Number	0020250281
Date	Feb 6, 2025
Instrument	2025-0281

Lender

Name	CHELSEA SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2013: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	TAMA IA
Recording Date	Oct 24, 2013
Property Address	401 4TH ST, TRAER, IA 50675-1107
Document Number	000923/455
Book / Page	0923 / 455
Instrument Date	Oct 12, 2013
Instrument	2013-3202
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
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	401 4TH ST, CLUTIER, IA 52217-9700
Investor	Possibly a Property Investor

February 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Feb 28, 2012
Property Address	401 4TH ST, TRAER, IA 50675-1107
Document Number	000895/493
Book / Page	0895 / 493
Instrument Date	Feb 25, 2012
Instrument	2012-0737
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124.00
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
Address	401 4TH ST, TRAER, IA 50675-1107

Mortgage

Document Number	000900/559
Date	Mar 12, 2012
Book Page	0900/559
Instrument	2012-0936

Lender

Name	CHELSEA SAVINGS BANK
Address	BELLE PLAINE, IA 52208

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2008: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	TAMA IA
Recording Date	May 29, 2008
Property Address	401 4TH ST, TRAER, IA 50675-1107
Document Number	000832/026
Book / Page	0832 / 026
Instrument Date	May 28, 2008
Instrument	2008-1733
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	513 7TH ST, TRAER, IA 50675-1312

July 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Jul 20, 2007
Property Address	401 4TH ST, TRAER, IA 50675-1107
Document Number	000806/486
Book / Page	0806 / 486
Instrument Date	Jun 29, 2007
Instrument	2007-2527
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$120.80
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
Address	513 7TH ST, TRAER, IA 50675-1312

Mortgage

Document Number	000805/067
Date	Jul 20, 2007
Book Page	0805/067
Instrument	2007-2528

Lender

Name	STATE BANK OF TOLEDO
Address	TOLEDO, IA 52342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 401 4th St was $2,140.

Source: Tama County assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Tama County
Municipality	Traer City
Unified School District	North Tama County Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,140.00 Homeowner's exemption	$108,630 (+6.15%) Land $11,040 Building $97,590	$108,630 Land $11,040 Building $97,590
2024		$102,340 (-) Land $11,040 Building $91,300
2023		$102,340 Land $11,040 Building $91,300	$102,340 Land $11,040 Building $91,300

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

Flood

FEMA maps place 401 4th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective October 6, 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	3 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2008 · Severe Storms, Tornadoes, And 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

Wildfire risk around 401 4th St is low, with a 0.01% annual chance of wildfire.

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	0.01% annual chance
Exposure	Direct burnable vegetation

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	TRAER MUNICIPAL WATER PLANT serves 1,583 people · EPA ID IA8681030
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile, Traer Municipal Utilities.

Nearby Properties on 4th St

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