409 W Spring St, Lawler, IA 52154 Property Records

Chickasaw County property record for 409 W Spring St, Lawler, IA 52154

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,728 sqft · built 1977
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Sep 2020)
Tax Bill	$3,924 (2026)
Deeds & Mortgages	Jun 2017 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-09-04-3-52-007`

Property Details

APN / Parcel Number

Primary APN	`19-09-04-3-52-007`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	9 Rooms
Building Area	1,728 sqft Living Area
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Finished Basement	1,075 sqft
Unfinished Basement	365 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	124 ft deep x 132 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	77 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	409 W SPRING ST
City	LAWLER
State	IA
Zip	52154-9716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 W 33 LOT 3 & E 1/2 HILL ST ADJ TO LOT 4 HIGHLAND ADD BLK 5
Legal Subdivision	HIGHLAND ADD
Legal Block	5
Legal Lot Number	3,4
Jurisdiction	CHICKASAW IA
Township / Civil Division	STAPLETON
Census Block Group	1
Census Block	1059
Census Tract	70300

Owner

409 W Spring St is owned and occupied by two individuals who bought it in September 2020.

Source: Chickasaw County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	409 W SPRING ST, LAWLER, IA 52154-9716
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2017	Deed of Trust, Mortgage · Line of Credit BANK IOWA
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA
Sep 16, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2020 · Amount on File
Deed Sale	Sep 16, 2020 · Amount on File
Deed Document Number	20202055
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICKASAW IA
Property Address	409 W SPRING ST, LAWLER, IA 52154-9716
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0020170856
Date	Jun 2, 2017
Instrument	2017-0856

Lender

Name	BANK IOWA
Type	Bank
Address	LAWLER, IA 52154

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICKASAW IA
Property Address	409 W SPRING ST, LAWLER, IA 52154-9716
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020210237
Date	Feb 2, 2021
Instrument	2021-0237

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHICKASAW IA
Recording Date	Sep 16, 2020
Property Address	409 W SPRING ST, LAWLER, IA 52154-9716
Document Number	0020202055
Instrument Date	Sep 16, 2020
Instrument	2020-2055
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$431.20
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	409 W SPRING ST, LAWLER, IA 52154-9716

Mortgage

Document Number	0020202056
Date	Sep 16, 2020
Instrument	2020-2056

Lender

Name	BANK IOWA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 409 W Spring St was $3,924.

Source: Chickasaw County assessment roll, as of September 26, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Chickasaw County
Municipality	Lawler City
Unified School District	Turkey Valley Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,924.00	$293,900 (-) Land $19,400 Building $274,500	$293,900 (-) Land $19,400 Building $274,500
2025	$3,924.00 (+3.21%)	$293,900 Land $19,400 Building $274,500	$293,900 Land $19,400 Building $274,500
2024	$3,802.00
2023		$254,700 Land $19,400 Building $235,300	$254,700 Land $19,400 Building $235,300
2022	$3,334.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 409 W Spring St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective September 28, 2012 · 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	7 (2016–2025)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Aug 2025 · river or lake 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

Wildfire risk around 409 W Spring St is low, with less than a 0.01% annual chance of 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	LAWLER WATER SUPPLY serves 406 people · EPA ID IA1957064
Water Source	Groundwater
Last State Inspection	May 2023
Lead	7 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrite resolved · Oct 2023
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 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hawkeye Telephone Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL	200 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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