402 4th St, Traer, IA 50675 Property Records

Tama County property record for 402 4th St, Traer, IA 50675

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,240 sqft · built 1954
Lot Size	0.165 acres (7,187 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,988 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2006 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07.10.176.010`

Property Details

APN / Parcel Number

Primary APN	`07.10.176.010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,240 sqft Living Area
Basement Area	1,240 sqft
Unfinished Basement	1,284 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,187 sqft (0.165 acres)
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	48 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	402 4TH ST
City	TRAER
State	IA
Zip	50675-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLK 4 ORIGINAL
Legal Subdivision	ORIGINAL TOWN
Legal Block	4
Legal Lot Number	12
Jurisdiction	TAMA IA
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3036
Census Tract	290200

Owner

402 4th St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	402 4TH ST, TRAER, IA 50675-1108
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
Jun 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE
May 26, 2006	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Jan 17, 2025	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Apr 15, 2011	Warranty Deed, Transfer · Conventional Mortgage NEW PENN FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	402 4TH ST, TRAER, IA 50675-1108
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020211750
Date	Jun 4, 2021
Instrument	2021-1750

Lender

Name	NATIONSTAR MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	402 4TH ST, TRAER, IA 50675-1108
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000773/140
Date	May 26, 2006
Book Page	0773/140
Instrument	2006-4028

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Apr 20, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	402 4TH ST, TRAER, IA 50675-1108
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 4TH ST, TRAER, IA 50675-1108

Mortgage

Document Number	0020250144
Date	Jan 17, 2025
Instrument	2025-0144

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 16, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Apr 15, 2011
Property Address	402 4TH ST, TRAER, IA 50675-1108
Document Number	000887/085
Book / Page	0887 / 085
Instrument Date	Apr 14, 2011
Instrument	2011-1096
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.20
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	402 STH ST, TRAER, IA 50675
Investor	Possibly a Property Investor

Mortgage

Document Number	000888/145
Date	Apr 15, 2011
Book Page	0888/145
Instrument	2011-1097

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 402 4th St was $1,988 with a homeowner's exemption.

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	$1,988.00	$111,830 Land $11,040 Building $100,790	$111,830 Land $11,040 Building $100,790
2023		$107,340 Land $11,040 Building $96,300	$107,340 Land $11,040 Building $96,300

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

Flood

FEMA maps place 402 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 402 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.

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