406 Walnut St, Traer, IA 50675 Property Records

Tama County property record for 406 Walnut St, Traer, IA 50675

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,853 sqft · built 1900
Lot Size	0.248 acres (10,803 sqft)
Owner	Individual Name on Record
Tax Bill	$2,512 (2025)
Deeds & Mortgages	Jul 2014 Mortgage Nov 2014 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07.10.177.015`

Property Details

APN / Parcel Number

Primary APN	`07.10.177.015`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,853 sqft Living Area
Basement Area	1,245 sqft
Unfinished Basement	1,239 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,803 sqft (0.248 acres)
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	157 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	406 WALNUT ST
City	TRAER
State	IA
Zip	50675-1135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 LOT 19 & LOT 20 BLK 5 ORIGINAL
Legal Subdivision	ORIGINAL TOWN
Legal Block	5
Legal Lot Number	19-20
Jurisdiction	TAMA IA
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3043
Census Tract	290200

Owner

Source: Tama County records, as of September 9, 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	406 WALNUT ST, TRAER, IA 50675-1135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2014	Deed of Trust, Mortgage · ARM VERIDIAN CU
Nov 19, 2014	Deed of Trust, Mortgage VERIDIAN CU
Aug 9, 2010	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Aug 26, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	406 WALNUT ST, TRAER, IA 50675-1135
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000933/688
Date	Jul 30, 2014
Book Page	0933/688
Instrument	2014-1932

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2044

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	9.62%

November 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	406 WALNUT ST, TRAER, IA 50675-1135
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000937/856
Date	Nov 19, 2014
Book Page	0937/856
Instrument	2014-2961

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2024

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	406 WALNUT ST, TRAER, IA 50675-1135
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000873/138
Date	Aug 9, 2010
Book Page	0873/138
Instrument	2010-2219

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2025

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Aug 26, 2022
Property Address	406 WALNUT ST, TRAER, IA 50675-1135
Document Number	0020222358
Instrument Date	Aug 12, 2022
Instrument	2022-2358
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$215.20
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	406 WALNUT ST, TRAER, IA 50675-1135

Tax Assessment & Valuation

Source: Tama County assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Tama County
Municipality	Traer City
Unified School District	North Tama County Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,512.00	$138,410 (+5.06%) Land $16,560 Building $121,850	$138,410 (+5.06%) Land $16,560 Building $121,850
2023		$131,750 Land $16,560 Building $115,190	$131,750 Land $16,560 Building $115,190

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 October 6, 2021 · 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	3 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2008 · Severe Storms, Tornadoes, And Flooding

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 99.8% of the US · lower than 98.1% 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	TRAER MUNICIPAL WATER PLANT serves 1,583 people · EPA ID IA8681030
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 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	3 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile, Traer Municipal Utilities.

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