403 5th St, Traer, IA 50675 Property Records

Tama County property record for 403 5th St, Traer, IA 50675

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,450 sqft · built 1952
Lot Size	0.193 acres (8,407 sqft)
Owner	2 Individual Names on Record
Last Sale	$83,500 (Mar 2018)
Tax Bill	$2,398 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07.10.178.002`

Property Details

APN / Parcel Number

Primary APN	`07.10.178.002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,450 sqft Living Area
Basement Area	1,008 sqft
Finished Basement	325 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,407 sqft (0.193 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	56 sqft
Patio Area	286 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	403 5TH ST
City	TRAER
State	IA
Zip	50675-1113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 & E 10' LOT 10 BLK 6 ORIGINAL
Legal Subdivision	ORIGINAL TOWN
Legal Block	6
Legal Lot Number	9
Jurisdiction	TAMA IA
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3040
Census Tract	290200

Owner

Source: Tama County records, as of September 9, 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	403 5TH ST, TRAER, IA 50675-1113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS SAVINGS BANK & TRUST
Jan 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage FARMERS SAVINGS BANK & TRUST
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS SAVINGS BANK & TRUST
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS SAVINGS BANK & TRUST
May 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
Mar 23, 2018	Warranty Deed, Transfer FARMERS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2018 · Amount on Record
Deed Sale	Mar 23, 2018 · Amount on Record
Deed Document Number	2018655
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	403 5TH ST, TRAER, IA 50675-1113
Transaction Type	Mortgage
Record Updated	Jul 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020230891
Date	May 3, 2023
Instrument	2023-0891

Lender

Name	FARMERS SAVINGS BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 15, 2033

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	403 5TH ST, TRAER, IA 50675-1113
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020220037
Date	Jan 5, 2022
Instrument	2022-0037

Lender

Name	FARMERS SAVINGS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 7, 2031

Interest

Rate Type	Fixed Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	403 5TH ST, TRAER, IA 50675-1113
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020213851
Date	Dec 8, 2021
Instrument	2021-3851

Lender

Name	FARMERS SAVINGS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	403 5TH ST, TRAER, IA 50675-1113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20201063
Date	May 8, 2020
Instrument	2020-1063

Lender

Name	FARMERS SAVINGS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 6, 2030

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	403 5TH ST, TRAER, IA 50675-1113
Transaction Type	Mortgage
Record Updated	Jun 20, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20191077
Date	May 30, 2019
Instrument	2019-1077

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Mar 23, 2018
Property Address	403 5TH ST, TRAER, IA 50675-1113
Document Number	0020180655
Instrument Date	Mar 23, 2018
Instrument	2018-0655
Transaction Type	Transfer
Record Updated	Apr 5, 2022

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	517 2ND ST, TRAER, IA 50675-1138

Mortgage

Document Number	20180656
Date	Mar 23, 2018
Instrument	2018-0656

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$2,398.00	$132,640 (+13.52%) Land $12,880 Building $119,760	$132,640 (+13.52%) Land $12,880 Building $119,760
2023		$116,840 Land $12,880 Building $103,960	$116,840 Land $12,880 Building $103,960

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 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

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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