414 6th St, Traer, IA 50675 Property Records

Tama County property record for 414 6th St, Traer, IA 50675

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,866 sqft · built 1926
Lot Size	0.248 acres (10,803 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Jun 2019)
Tax Bill	$2,132 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07.10.178.016`

Property Details

APN / Parcel Number

Primary APN	`07.10.178.016`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,866 sqft Living Area
Basement Area	1,020 sqft
Unfinished Basement	1,020 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Adobe
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,803 sqft (0.248 acres)
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	260 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	414 6TH ST
City	TRAER
State	IA
Zip	50675-1303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 & W 1/2 LOT 19 BLK 6 ORIGINAL
Legal Subdivision	ORIGINAL TOWN
Legal Block	6
Legal Lot Number	18-19
Jurisdiction	TAMA IA
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3040
Census Tract	290200

Owner

414 6th St is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	414 6TH ST, TRAER, IA 50675-1303
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 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS FIRST CU
Oct 27, 2023	Deed of Trust, Mortgage · Line of Credit MEMBERS 1ST COMMUNITY CU
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS FIRST COMMUNITY CU
Jun 4, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage MEMBER ONE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2019 · Amount on File
Deed Sale	Jun 4, 2019 · Amount on File
Prior Sale	May 19, 2014 · Amount on File
Deed Document Number	20191118
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	414 6TH ST, TRAER, IA 50675-1303
Transaction Type	Mortgage
Record Updated	Apr 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020210648
Date	Mar 1, 2021
Instrument	2021-0648

Lender

Name	MEMBERS FIRST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	414 6TH ST, TRAER, IA 50675-1303
Transaction Type	Mortgage
Record Updated	Nov 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020232399
Date	Oct 27, 2023
Instrument	2023-2399

Lender

Name	MEMBERS 1ST COMMUNITY CU
Type	Credit Union
Address	MARSHALLTOWN, IA 50158

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 30, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	414 6TH ST, TRAER, IA 50675-1303
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2501
Date	Aug 4, 2021
Book Page	2021/2501
Instrument	2021-2501

Lender

Name	MEMBERS FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 30, 2046

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Jun 4, 2019
Property Address	414 6TH ST, TRAER, IA 50675-1303
Document Number	0020191118
Instrument Date	Jun 3, 2019
Instrument	2019-1118
Transaction Type	Transfer
Record Updated	Apr 5, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 6TH ST, TRAER, IA 50675-1303

Mortgage

Document Number	0020191119
Date	Jun 4, 2019
Instrument	2019-1119

Lender

Name	MEMBER ONE FCU

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 414 6th St was $2,132 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	$2,132.00	$119,140 Land $16,560 Building $102,580	$119,140 Land $16,560 Building $102,580
2023		$115,180 Land $16,560 Building $98,620	$115,180 Land $16,560 Building $98,620

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

Flood

FEMA maps place 414 6th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

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

Wildfire risk around 414 6th 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 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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