405 Windsor Way, Sergeant Bluff, IA 51054 Property Records

Woodbury County property record for 405 Windsor Way, Sergeant Bluff, IA 51054

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,499 sqft · built 2004
Lot Size	0.31 acres (13,500 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,758 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`884732131003`

Property Details

APN / Parcel Number

Primary APN	`884732131003`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,499 sqft Living Area
Basement Area	1,499 sqft
Finished Basement	1,100 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,500 sqft (0.31 acres)
Lot Dimensions	150 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	951 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 WINDSOR WAY
City	SERGEANT BLUFF
State	IA
Zip	51054-8966
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOW BROOK 2ND ADDN LOT 11
Legal Subdivision	MEADOW BROOK SECOND ADDITION
Legal Lot Number	11
Jurisdiction	WOODBURY IA
Township / Civil Division	WOODBURY
Census Block Group	3
Census Block	3007
Census Tract	3301

Owner

Source: Woodbury County records, as of September 1, 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 WINDSOR WAY, SERGEANT BLUFF, IA 51054-8966
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT COM LLC
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage PRIME BK
Sep 18, 2018	Warranty Deed, Transfer · Conventional Mortgage SECURITY NAT'L BK/SIOUX CTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	405 WINDSOR WAY, SERGEANT BLUFF, IA 51054-8966
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003042
Date	Mar 10, 2022
Instrument	2022-03042

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.5%
Index	Other

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	405 WINDSOR WAY, SERGEANT BLUFF, IA 51054-8966
Document Number	0000021639
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 WINDSOR WAY SERGEANT BLUFF IA 510548966, SERGEANT BLUFF, IA 51054-8966

Mortgage

Document Number	0000021639
Date	Dec 23, 2019
Instrument	21639

Lender

Name	PRIME BK
Type	Bank
Address	SIOUX CITY, IA 51104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 22, 2024

Interest

Rate Type	Adjustable Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WOODBURY IA
Recording Date	Sep 18, 2018
Property Address	405 WINDSOR WAY, SERGEANT BLUFF, IA 51054-8966
Document Number	0000003391
Instrument Date	Sep 11, 2018
Instrument	3391
Transaction Type	Transfer
Record Updated	Oct 30, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$446.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 WINDSOR WAY SERGEANT BLUFF IA 510548966, SERGEANT BLUFF, IA 51054-8966

Mortgage

Document Number	3392
Date	Sep 18, 2018
Instrument	3392

Lender

Name	SECURITY NAT'L BK/SIOUX CTY
Type	Bank
Address	SIOUX CITY, IA 51101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2048

Tax Assessment & Valuation

Source: Woodbury County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Woodbury County
Municipality	Sergeant Bluff City
Unified School District	Sergeant Bluff-Luton Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,758.00 (+6.68%) Homeowner's exemption	$334,170 (+8.28%) Land $49,500 Building $284,670	$334,170 (+8.28%) Land $49,500 Building $284,670
2023	$4,460.00 (-4.09%) Homeowner's exemption	$308,610 Land $40,160 Building $268,450	$308,610 Land $40,160 Building $268,450
2022	$4,650.00

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 July 22, 2024 · 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	4 in force

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	Not rated no burnable land within 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	SERGEANT BLUFF WATER SUPPLY serves 5,015 people · EPA ID IA9774033
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	4 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	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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Fiber · Cable in parts of the area	1,000 / 1,000
Sparklight Cable · Fiber in parts of the area	1,000 / 50
Nextlink Fixed Wireless	300 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: ImOn Communications, Verizon.

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