4048 Ave E, Council Bluffs, IA 51501 Property Records

Pottawattamie County property record for 4048 Ave E, Council Bluffs, IA 51501

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1980
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Jul 2026)
Tax Bill	$3,820 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2026 Construction Loan + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`7544 28 306 009`

Property Details

APN / Parcel Number

Primary APN	`7544 28 306 009`
Alternative APN	`000 035 852 024665 000 000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,056 sqft Base Area
1st Floor Area	1,056 sqft
Basement Area	100 sqft
Unfinished Basement	100 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2016
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	130 ft deep x 13.2 ft wide
Patio Area	360 sqft

Location & Zoning

Street Address	4048 AVENUE E
City	COUNCIL BLUFFS
State	IA
Zip	51501-1756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	TWIN CITY GARDENS LTS 44 THRU 46 & S 1/2 VAC ALLEY ADJ
Legal Range	44W
Legal Township	75N
Legal Section	28
Legal Subdivision	TWIN CITY GARDENS
Legal Lot Number	44,45
Jurisdiction	POTTAWATTAMIE IA
Township / Civil Division	KANE
Census Block Group	3
Census Block	3012
Census Tract	30401

Owner

Source: Pottawattamie County records, as of September 23, 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	4048 AVENUE E, COUNCIL BLUFFS, IA 51501-1756
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer · FHA Mortgage CHARTER BANK
Jul 1, 2026	Deed of Trust, Mortgage · Construction Mortgage MORTGAGE MORTGAGE
Dec 5, 2018	Deed of Trust, Mortgage · FHA Mortgage SAC FCU
Aug 17, 2020	Warranty Deed, Transfer · VA Mortgage AMERICAN NATIONAL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Prior Sale	Aug 17, 2020 · Amount on Record
Deed Document Number	20267869
Prior Transfer Date	Mar 12, 2014
Prior Transfer Doc	2014002999
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POTTAWATTAMIE IA
Recording Date	Jul 10, 2026
Property Address	4048 AVENUE E, COUNCIL BLUFFS, IA 51501-1756
Document Number	0000007869
Instrument Date	Jul 7, 2026
Instrument	20267869
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	TITLECORE NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39,511.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4048 AVENUE E, COUNCIL BLUFFS, IA 51501-1756

Mortgage

Document Number	0000007870,
Date	Jul 10, 2026
Instrument	20267870

Lender

Name	CHARTER BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATTAMIE IA
Recording Date	Jul 1, 2026
Property Address	4048 AVENUE E, COUNCIL BLUFFS, IA 51501-1756
Document Number	0000007413
Instrument Date	Jun 22, 2026
Instrument	20267413
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4048 AVENUE E, COUNCIL BLUFFS, IA 51501-1756

Mortgage

Document Number	0000007413,
Date	Jul 1, 2026
Instrument	20267413

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	5 Months
Due	Dec 26, 2026

Interest

Rate	6.51%
Max Rate	-1%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATTAMIE IA
Property Address	4048 AVENUE E, COUNCIL BLUFFS, IA 51501-1756
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015462
Date	Dec 5, 2018
Book Page	2018/15462

Lender

Name	SAC FCU
Type	Credit Union
Address	PAPILLION, NE 68046

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POTTAWATTAMIE IA
Recording Date	Aug 17, 2020
Property Address	4048 AVENUE E, COUNCIL BLUFFS, IA 51501-1756
Document Number	2020
Book / Page	2020 / 11376
Instrument Date	Aug 13, 2020
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$255.20
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 with Right of Survivorship
Address	4048 AVENUE E, COUNCIL BLUFFS, IA 51501-1756

Mortgage

Document Number	202011379
Date	Aug 17, 2020
Instrument	2020/11379

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Pottawattamie County assessment roll, as of September 23, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Pottawattamie County
Municipality	Council Bluffs City
Unified School District	Council Bluffs Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$209,800 (-) Land $44,600 Building $165,200	$209,800 (-) Land $44,600 Building $165,200
2025	$3,820.00 (-29.86%)	$209,800 (+10.6%) Land $44,600 Building $165,200	$209,800 (+10.6%) Land $44,600 Building $165,200
2023		$189,700 Land $38,800 Building $150,900	$189,700 Land $38,800 Building $150,900
2021	$5,446.00

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 April 16, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	31 (1993–2024)
Claims Outside the SFHA	31 of 31
Most Recent Claim	Jul 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms And Flooding, May 2019 · 6 claims Flooding, Jul 2011 · 5 claims Severe Storms & Flooding, Jul 1993 · 2 claims

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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 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	COUNCIL BLUFFS WATER WORKS serves 64,447 people · EPA ID IA7820080
Water Source	Surface water
Last State Inspection	May 2024
Lead	2 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20

May also be available: Western Iowa Wireless.

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