405 S Sumner Ave, Creston, IA 50801 Property Records

Union County property record for 405 S Sumner Ave, Creston, IA 50801

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1,605 sqft · built 1990
Lot Size	0.506 acres (22,027 sqft)
Owner	Company Name on Record
Tax Bill	$4,006 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Dec 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0512152003`

Property Details

APN / Parcel Number

Primary APN	`0512152003`

Interior

Stories	1 Story
Building Area	1,605 sqft Gross Area
1st Floor Area	800 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Construction Type	Frame
Roof Material	Urethane Foam
Lot Area	22,027 sqft (0.506 acres)
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	405 S SUMNER AVE
City	CRESTON
State	IA
Zip	50801-3330
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	WC SEC B PT WC SEC B & PT LOT 17 & PT SUMNER AVE BEG SW COR LOT 65 SW 109.6 FT NW 133.76 FT NE 215.4 FT SW 167.5 FT TO POB
Legal Subdivision	WEST CRESTON SECTION B CRESTON
Legal Lot Number	17,65
Jurisdiction	UNION IA
Township / Civil Division	CRESTON
Census Block Group	3
Census Block	3003
Census Tract	190200

Owner

Source: Union 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	Company Name on Record
Mailing Address	405 S SUMNER AVE, CRESTON, IA 50801-3330
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2023	Deed of Trust, Mortgage · Line of Credit PCSB BANK
Dec 29, 2023	Deed of Trust, Mortgage · Line of Credit GROW IOWA FOUNDATION INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	405 S SUMNER AVE, CRESTON, IA 50801-3330
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 S SUMNER AVE, CRESTON, IA 50801-3330

Mortgage

Document Number	001321/273
Date	Dec 29, 2023
Book Page	1321/273
Instrument	2023-00002156

Lender

Name	PCSB BANK
Type	Bank
Address	CRESTON, IA 50801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2044

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IA
Property Address	405 S SUMNER AVE, CRESTON, IA 50801-3330
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 S SUMNER AVE, CRESTON, IA 50801-3330

Mortgage

Document Number	001321/287
Date	Dec 29, 2023
Book Page	1321/287
Instrument	2023-00002157

Lender

Name	GROW IOWA FOUNDATION INC
Type	Non-Lending Institution
Address	LENOX, IA 50851

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Union County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Creston City
County	Union County
Unified School District	Creston Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$194,710 (-) Land $55,070 Building $139,640	$194,710 (-) Land $55,070 Building $139,640
2025	$4,006.00 (+11.09%)	$194,710 (+15.07%) Land $55,070 Building $139,640	$194,710 (+15.07%) Land $55,070 Building $139,640
2024	$3,606.00 (-7.21%)
2023		$169,210 Land $55,070 Building $114,140	$169,210 Land $55,070 Building $114,140
2022	$3,886.00

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 May 31, 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 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	CRESTON WATER SUPPLY serves 7,536 people · EPA ID IA8816089
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	7 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Treatment Techniques Jun 2018
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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Lockridge Networks Fixed Wireless	100 / 20
Windstream DSL	100 / 20

May also be available: Nextlink, OmniTel-Interstate Cablevision, Verizon.

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