Bremer County property record for 401 Madison St, Sumner, IA 50674
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,248 sqft · built 1956 |
| Lot Size | 0.385 acres (16,771 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Jul 2018) |
| Tax Bill | $2,020 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Jun 2023 Foreclosure + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-23-476-012 |
| Primary APN | 04-23-476-012 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Basement Area | 1,248 sqft |
| Unfinished Basement | 1,248 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 16,771 sqft (0.385 acres) |
| Lot Dimensions | 132 ft deep x 127 ft wide |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 140 sqft |
| Patio Area | 162 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 401 MADISON ST |
|---|---|
| City | SUMNER |
| State | IA |
| Zip | 50674-1339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 23-93-11 BEHRENS & STAHLHUT ADD LOTS 4 & 5 HB 2 |
| Legal Range | 11W |
| Legal Township | 93N |
| Legal Section | 23 |
| Legal Subdivision | BEHREN'S & STAHLHUT'S ADD |
| Legal Block | 2 |
| Legal Lot Number | 4,5 |
| Jurisdiction | BREMER IA |
| Township / Civil Division | SUMNER |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 4700 |
401 Madison St is owned and occupied by an individual who bought it in July 2018.
Source: Bremer County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 MADISON ST, SUMNER, IA 50674-1339 |
| 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.
| Date | Document |
|---|---|
| Jul 16, 2018 | Deed of Trust, Mortgage VERIDIAN CREDIT UNION |
| Jun 19, 2023 | Deed in Lieu of Foreclosure, Foreclosure |
| Jul 10, 2018 | Warranty Deed, Transfer VERIDIAN CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2018 · Amount on File |
| Deed Sale | Jul 10, 2018 · Amount on File |
| Deed Document Number | 20182565 |
| Deed Book / Page | 2018 / 2565 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREMER IA |
| Property Address | 401 MADISON ST, SUMNER, IA 50674-1339 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000002018/0000002634 |
|---|---|
| Date | Jul 16, 2018 |
| Book Page | 0000002018/0000002634 |
| Instrument | 20182634 |
| Name | VERIDIAN CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 114 Months |
| Due | Jan 1, 2028 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | BREMER IA |
| Recording Date | Jun 19, 2023 |
| Property Address | 401 MADISON ST, SUMNER, IA 50674-1339 |
| Document Number | 0020231663 |
| Instrument Date | Jun 8, 2023 |
| Instrument | 20231663 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 401 MADISON ST, SUMNER, IA 50674-1339 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREMER IA |
| Recording Date | Jul 10, 2018 |
| Property Address | 401 MADISON ST, SUMNER, IA 50674-1339 |
| Document Number | 02018/2565 |
| Book / Page | 2018 / 2565 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 20182565 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 707 E 1ST ST, SUMNER, IA 50674-1611 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002018/0000002566 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 0000002018/0000002566 |
| Instrument | 20182566 |
| Name | VERIDIAN CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 354 Months |
| Due | Jan 1, 2048 |
The 2025 property tax bill for 401 Madison St was $2,020 with a homeowner's exemption.
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 | $2,020.00 Homeowner's exemption | $149,600 Land $28,580 Building $121,020 | $149,600 Land $28,580 Building $121,020 |
| 2023 | $136,480 (+15.84%) Land $22,860 Building $113,620 | $136,480 (+15.84%) Land $22,860 Building $113,620 | |
| 2022 | $1,906.00 (+3.14%) Homeowner's exemption | $117,820 Land $22,860 Building $94,960 | $117,820 Land $22,860 Building $94,960 |
| 2021 | $1,848.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Madison St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 401 Madison St is low, with less than 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 99.8% of the US · lower than 98.1% 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 113 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 |
| Northeast Iowa Telephone Company Fiber | 1,000 / 1,000 |
| Hawkeye Telephone 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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