413 1st St, Traer, IA 50675 Property Records

Tama County property record for 413 1st St, Traer, IA 50675

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 720 sqft · built 1900
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on File
Last Sale	$74,000 (Mar 2025)
Tax Bill	$1,058 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage Jul 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07.10.127.004`

Property Details

APN / Parcel Number

Primary APN	`07.10.127.004`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,187 sqft (0.165 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	413 1ST ST
City	TRAER
State	IA
Zip	50675-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK 1 ORIGINAL
Legal Subdivision	ORIGINAL TOWN
Legal Block	1
Legal Lot Number	4
Jurisdiction	TAMA IA
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3013
Census Tract	290200

Owner

413 1st St is owned and occupied by an individual who bought it in March 2025.

Source: Tama County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	413 1ST ST, TRAER, IA 50675-1001
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2025	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jul 21, 2023	Warranty Deed, Transfer · Line of Credit CHELSEA SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2025 · Amount on File
Deed Sale	Mar 3, 2025 · Amount on File
Prior Sale	Jul 19, 2023 · Amount on File
Deed Document Number	2025489
Record Updated	Oct 29, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Mar 3, 2025
Property Address	413 1ST ST, TRAER, IA 50675-1001
Document Number	0020250489
Instrument Date	Feb 28, 2025
Instrument	2025-0489
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$117.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 1ST ST, TRAER, IA 50675-1001

Mortgage

Document Number	0020250490
Date	Mar 3, 2025
Instrument	2025-0490

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2055

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Jul 21, 2023
Property Address	413 1ST ST, TRAER, IA 50675-1001
Document Number	0020231531
Instrument Date	Jul 18, 2023
Instrument	2023-1531
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	808 6TH ST, TRAER, IA 50675-1310

Mortgage

Document Number	0020231659
Date	Jul 21, 2023
Instrument	2023-1659

Lender

Name	CHELSEA SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 413 1st St was $1,058 with a homeowner's exemption.

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	$1,058.00	$64,620 Land $11,040 Building $53,580	$64,620 Land $11,040 Building $53,580
2023		$55,570 Land $11,040 Building $44,530	$55,570 Land $11,040 Building $44,530

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

Flood

FEMA maps place 413 1st St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 413 1st St is low, with 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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	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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