412 W 5th St, Sumner, IA 50674 Property Records

Bremer County property record for 412 W 5th St, Sumner, IA 50674

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,392 sqft · built 1913
Lot Size	0.898 acres (39,117 sqft)
Owner	2 Individual Names on File
Last Sale	$226,000 (Dec 2024)
Tax Bill	$1,894 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`04-23-430-008`

Property Details

APN / Parcel Number

Primary APN	`04-23-430-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,392 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	39,117 sqft (0.898 acres)
Lot Dimensions	132 ft deep x 132 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	352 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	412 W 5TH ST
City	SUMNER
State	IA
Zip	50674-1328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23-93-11 TODD LOT 25 EX N 120' & EX E 8 RODS LOTS 26 & 27 & S 12' LOTS 23 & 24
Legal Range	11W
Legal Township	93N
Legal Section	23
Legal Subdivision	TODD'S ADD
Legal Lot Number	23-27
Jurisdiction	BREMER IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1012
Census Tract	4700

Owner

Source: Bremer County assessment roll, APN 04-23-430-008, as of September 18, 2025 · Last verified June 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 File
Mailing Address	206 W 5TH ST, SUMNER, IA 50674-1109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 02, 2024 · Amount on Record
Deed Sale	Dec 02, 2024 · Amount on Record
Prior Sale	Oct 28, 2015 · Amount on Record
Deed Document Number	20243283
Prior Transfer Date	Feb 24, 2011
Prior Transfer Doc	0020110888
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	412 W 5TH ST, SUMNER, IA 50674-1328
Transaction Type	Mortgage
Record Updated	Aug 09, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020201372
Date	Apr 27, 2020
Instrument	20201372

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bremer County assessment roll as of September 18, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Bremer County
Municipality	Sumner City
Unified School District	Sumner-Fredericksburg Community School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,894.00 Homeowner's exemption	$126,060 (+13.66%) Land $37,400 Building $88,660	$126,060 (+13.66%) Land $37,400 Building $88,660
2024	$1,894.00 (+17.79%)
2023		$110,910 Land $32,730 Building $78,180	$110,910 Land $32,730 Building $78,180
2022	$1,608.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bremer County (19017C), as of January 28, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190170047001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jul 2017 · 7 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, 113 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Uniti Group Fiber · DSL in parts of the area	2,000 / 2,000
Northeast Iowa Telephone Company Fiber	1,000 / 1,000
Hawkeye Telephone Company Fiber	1,000 / 1,000
AMG Technology Investment Group Fixed Wireless	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
LTD Broadband Fixed Wireless	150 / 130

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IA0970006, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SUMNER WATER SUPPLY serves 2,030 people
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.