403 E Cummings St, Ute, IA 51060 Property Records

Monona County property record for 403 E Cummings St, Ute, IA 51060

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,966 sqft · built 1977
Lot Size	0.801 acres (34,892 sqft)
Owner	Individual Name on Record
Tax Bill	$2,544 (2026)
Deeds & Mortgages	Apr 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`844226376001`

Property Details

APN / Parcel Number

Primary APN	`844226376001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,966 sqft Living Area
1st Floor Area	1,988 sqft
Basement Area	1,966 sqft
Finished Basement	1,525 sqft
Unfinished Basement	441 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	34,892 sqft (0.801 acres)
Lot Dimensions	231 ft deep x 151 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	110 sqft
Deck Area	117 sqft
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	403 E CUMMINGS ST
City	UTE
State	IA
Zip	51060-1026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL BLK 10 LARSENS ADDITION
Legal Subdivision	LARSENS ADD
Jurisdiction	MONONA IA
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1046
Census Tract	960400

Owner

Source: Monona County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	403 E CUMMINGS ST, UTE, IA 51060-1026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 3, 2023
Transfer Doc	0020230358
Record Updated	Oct 29, 2026

April 2023: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	MONONA IA
Recording Date	Apr 5, 2023
Property Address	403 E CUMMINGS ST, UTE, IA 51060-1026
Document Number	0020230358
Instrument Date	Mar 31, 2023
Instrument	2023-0358
Transaction Type	Transfer
Record Updated	May 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E CUMMINGS ST, UTE, IA 51060-1026

Tax Assessment & Valuation

Source: Monona County assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Monona County
Municipality	Ute City
Unified School District	Charter Oak-Ute Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,544.00 Homeowner's exemption	$224,680 (-0.16%) Land $14,254 Building $210,426	$224,680 (-0.16%) Land $14,254 Building $210,426
2025	$2,544.00 (+37.07%) Homeowner's exemption	$225,044 (+34.84%) Land $14,254 Building $210,790	$225,044 (+34.84%) Land $14,254 Building $210,790
2024	$1,856.00 (-21.56%)	$166,898 (-) Land $14,254 Building $152,644
2023		$166,898 (+11.91%) Land $14,254 Building $152,644	$166,898 (+11.91%) Land $14,254 Building $152,644
2022	$2,366.00 Homeowner's exemption	$149,137
2021			$149,137

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 June 15, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.02% 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	UTE WATER SUPPLY serves 338 people · EPA ID IA6762043
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Cable	1,500 / 50
Nextlink Fixed Wireless	1,000 / 1,000
Windstream DSL	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Western Iowa Wireless.

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