405 Spruce St, Atlantic, IA 50022 Property Records

Cass County property record for 405 Spruce St, Atlantic, IA 50022

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,299 sqft · built 1875
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$82,500 (Aug 2019)
Tax Bill	$1,684 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`303005463001000`

Property Details

APN / Parcel Number

Primary APN	`303005463001000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,299 sqft Living Area
1st Floor Area	925 sqft
Basement Area	925 sqft
Finished Basement	375 sqft
Game Room	Game Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	111 sqft
Deck Area	19 sqft
Patio Area	139 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	405 SPRUCE ST
City	ATLANTIC
State	IA
Zip	50022-1570
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	D & K ADD LOT 3 BLK 9
Legal Subdivision	DICKERSON & KEYES ADDITION
Legal Block	9
Legal Lot Number	3
Jurisdiction	CASS IA
Township / Civil Division	GROVE
Census Block Group	1
Census Block	1032
Census Tract	190400

Owner

Source: Cass County records, as of June 2, 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	405 SPRUCE ST, ATLANTIC, IA 50022-1570
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit ROLLING HILLS BANK & TRUST
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage IOWA BANKERS MORTGAGE CORP
Aug 20, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage ROLLING HILLS BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2019 · Amount on Record
Deed Sale	Aug 20, 2019 · Amount on Record
Prior Sale	Aug 23, 2007
Deed Book / Page	2019 / 1374
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	405 SPRUCE ST, ATLANTIC, IA 50022-1570
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1650
Date	Oct 5, 2022
Book Page	2022/1650
Instrument	2022-1650

Lender

Name	ROLLING HILLS BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Dec 5, 2027

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	405 SPRUCE ST, ATLANTIC, IA 50022-1570
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1090
Date	May 19, 2021
Book Page	2021/1090
Instrument	2021-1090

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS IA
Recording Date	Aug 20, 2019
Property Address	405 SPRUCE ST, ATLANTIC, IA 50022-1570
Document Number	2019/1374
Book / Page	2019 / 1374
Instrument Date	Aug 19, 2019
Transaction Type	Transfer
Record Updated	Oct 15, 2021

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
Address	405 SPRUCE ST, ATLANTIC, IA 50022-1570

Mortgage

Document Number	02019/1375
Date	Aug 20, 2019
Book Page	2019/1375

Lender

Name	ROLLING HILLS BANK & TRUST

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Sep 1, 2024

Tax Assessment & Valuation

Source: Cass County assessment roll, as of February 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,684.00 Homeowner's exemption Veteran's exemption	$136,590 (+8.37%) Land $5,350 Building $131,240	$136,590 (+8.37%) Land $5,350 Building $131,240
2024	$1,684.00 (+5.91%)
2023		$126,040 Land $5,350 Building $120,690	$126,040 Land $5,350 Building $120,690
2022	$1,590.00

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 16, 2017

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	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	ATLANTIC MUNICIPAL UTILITIES serves 7,252 people · EPA ID IA1509074
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Massena Telephone Company Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Western Iowa Wireless.

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