402 1st St, Sergeant Bluff, IA 51054 Property Records

Woodbury County property record for 402 1st St, Sergeant Bluff, IA 51054

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,268 sqft · built 1974
Lot Size	0.495 acres (21,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$186,000 (Aug 2018)
Tax Bill	$3,804 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`884731202003`

Property Details

APN / Parcel Number

Primary APN	`884731202003`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
Basement Area	1,268 sqft
Finished Basement	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,560 sqft (0.495 acres)
Lot Dimensions	122 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	320 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	402 1ST ST
City	SERGEANT BLUFF
State	IA
Zip	51054-7730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 122.5 FT N 182.8 FT E 120 FT W 251 FT NW NE S 70 FT N 252.8 FT E 98 FT W 251 FT NW NE 31-88-47
Legal Range	47W
Legal Township	88N
Legal Section	31
Legal Subdivision	SERENITY PT FIRST ADD
Jurisdiction	WOODBURY IA
Township / Civil Division	WOODBURY
Census Block Group	3
Census Block	3013
Census Tract	3301

Owner

Source: Woodbury County records, as of September 1, 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	402 1ST ST, SERGEANT BLUFF, IA 51054-7730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2020	Deed of Trust, Mortgage · FHA Mortgage PLAINS COMMERCE BANK
Aug 24, 2018	Deed of Trust, Mortgage CENTRAL BK
Aug 23, 2018	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2018 · Amount on Record
Deed Sale	Aug 23, 2018 · Amount on Record
Deed Document Number	20182258
Deed Book / Page	760 / 5224
Prior Transfer Date	Dec 21, 2005
Prior Transfer Doc	0000012749
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	402 1ST ST, SERGEANT BLUFF, IA 51054-7730
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003138
Date	Oct 15, 2020
Instrument	2020-13138

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	402 1ST ST, SERGEANT BLUFF, IA 51054-7730
Document Number	0000002321
Instrument Date	Aug 24, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	508 JACE RD SERGEANT BLUFF IA 510548803, SERGEANT BLUFF, IA 51054-8803

Mortgage

Document Number	0000002321
Date	Aug 24, 2018
Instrument	2321

Lender

Name	CENTRAL BK
Type	Bank
Address	SPIRIT LAKE, IA 51360

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WOODBURY IA
Recording Date	Aug 23, 2018
Property Address	402 1ST ST, SERGEANT BLUFF, IA 51054-7730
Document Number	0000002258
Book / Page	760 / 5224
Instrument Date	Aug 20, 2018
Instrument	000000002258
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	402 1ST ST, SERGEANT BLUFF, IA 51054-7730

Mortgage

Document Number	0000002259
Date	Aug 23, 2018
Book Page	0000000760/0000005229
Instrument	000000002259

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Woodbury County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Woodbury County
Municipality	Sergeant Bluff City
Unified School District	Sergeant Bluff-Luton Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,804.00 (-1.65%) Homeowner's exemption	$269,250 (+0.06%) Land $17,620 Building $251,630	$269,250 (+0.06%) Land $17,620 Building $251,630
2023	$3,868.00 (+10.51%) Homeowner's exemption	$269,100 Land $16,910 Building $252,190	$269,100 Land $16,910 Building $252,190
2022	$3,500.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 22, 2024 · 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	4 in force

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

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	None beyond 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	SERGEANT BLUFF WATER SUPPLY serves 5,015 people · EPA ID IA9774033
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	4 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Fiber · Cable in parts of the area	1,000 / 1,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile.

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