Bremer County property record for 409 N Division St, Sumner, IA 50674
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,409 sqft · built 1895 |
| Lot Size | 0.364 acres (15,856 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $70,000 (Aug 2010) |
| Tax Bill | $1,298 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 04-23-478-007 |
| Primary APN | 04-23-478-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,409 sqft Living Area |
| 1st Floor Area | 631 sqft |
| Basement Area | 652 sqft |
| Unfinished Basement | 652 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 15,856 sqft (0.364 acres) |
| Lot Dimensions | 132 ft deep x 120 ft wide |
| Garage Type | Mixed |
| Garage Area | 972 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 350 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 409 N DIVISION ST |
|---|---|
| City | SUMNER |
| State | IA |
| Zip | 50674-1016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 23-93-11 A P SE SE LOT 55 |
| Legal Range | 11W |
| Legal Township | 93N |
| Legal Section | 23 |
| Legal Subdivision | AUDITOR SUBD SE1/4 SEC 23 - SUMNER |
| Legal Block | 93 |
| Legal Lot Number | 55 |
| Jurisdiction | BREMER IA |
| Township / Civil Division | SUMNER |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 4700 |
Source: Bremer 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 | 409 N DIVISION ST, SUMNER, IA 50674-1016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2010 · Amount on Record |
| Deed Sale | Aug 16, 2010 · Amount on Record |
| Prior Sale | Aug 18, 2008 · Amount on Record |
| Deed Document Number | 20103321 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BREMER IA |
| Recording Date | Jul 24, 2026 |
| Property Address | 409 N DIVISION ST, SUMNER, IA 50674-1016 |
| Document Number | 0000002329 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 20262329 |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 409 N DIVISION ST, SUMNER, IA 50674-1016 |
Source: Bremer County assessment roll, as of September 18, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Bremer County |
| Municipality | Sumner City |
| Unified School District | Sumner-Fredericksburg Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,298.00 (+74.93%) Homeowner's exemption | $94,260 (+60.28%) Land $20,400 Building $73,860 | $94,260 (+60.28%) Land $20,400 Building $73,860 |
| 2023 | $58,810 Land $18,900 Building $39,910 | $58,810 Land $18,900 Building $39,910 | |
| 2022 | $742.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 28, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 12 (2004–2025) |
| Claims Outside the SFHA | 2 of 12 |
| Most Recent Claim | Apr 2025 · rainfall accumulation |
| Claims by Event |
|
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUMNER WATER SUPPLY serves 2,030 people · EPA ID IA0970006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 113 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 |
| Northeast Iowa Telephone Company Fiber | 1,000 / 1,000 |
| Hawkeye Telephone Fiber | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| GigFire Fixed Wireless | 150 / 130 |
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