Bremer County property record for 420 Union St, Sumner, IA 50674
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,268 sqft · built 1973 |
| Lot Size | 0.184 acres (8,015 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Jul 2023) |
| Tax Bill | $2,486 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Apr 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-23-403-001 |
| Primary APN | 04-23-403-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,268 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Finished Basement | 950 sqft |
| Unfinished Basement | 10 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 8,015 sqft (0.184 acres) |
| Lot Dimensions | 111 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 64 sqft |
| Patio Area | 306 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 420 UNION ST |
|---|---|
| City | SUMNER |
| State | IA |
| Zip | 50674-1253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 23-93-11 FRIDLEY LOT 1 BLK 1 |
| Legal Range | 11W |
| Legal Township | 93N |
| Legal Section | 23 |
| Legal Subdivision | FRIDLEY'S ADD |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | BREMER IA |
| Township / Civil Division | SUMNER |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 4700 |
420 Union St is owned by two individuals who bought it in July 2023.
Source: Bremer County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20582 175TH ST, SUMNER, IA 50674-7557 |
| 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.
| Date | Document |
|---|---|
| Jul 6, 2023 | Warranty Deed, Transfer · Conventional Mortgage LUANNA SAVINGS BANK |
| Apr 6, 2022 | Affidavit, Transfer |
| Mar 9, 2022 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL CO |
| Jun 29, 2020 | Warranty Deed, Transfer · Conventional Mortgage NORTHEAST SECURITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2023 · Amount on File |
| Deed Sale | Jul 6, 2023 · Amount on File |
| Prior Sale | Mar 9, 2022 · Amount on File |
| Deed Document Number | 20231893 |
| Prior Transfer Date | May 23, 2007 |
| Prior Transfer Doc | 0020072140 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREMER IA |
| Recording Date | Jul 6, 2023 |
| Property Address | 420 UNION ST, SUMNER, IA 50674-1253 |
| Document Number | 0020231893 |
| Instrument Date | Jun 30, 2023 |
| Instrument | 20231893 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20582 175TH ST, SUMNER, IA 50674-7557 |
| Document Number | 0020231894 |
|---|---|
| Date | Jul 6, 2023 |
| Instrument | 20231894 |
| Name | LUANNA SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | BREMER IA |
| Recording Date | Apr 6, 2022 |
| Property Address | 420 UNION ST, SUMNER, IA 50674-1253 |
| Document Number | 0020221285 |
| Map Reference | DOC 20220888 |
| Instrument Date | Apr 5, 2022 |
| Instrument | 20221285 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREMER IA |
| Recording Date | Mar 9, 2022 |
| Property Address | 420 UNION ST, SUMNER, IA 50674-1253 |
| Document Number | 0020220888 |
| Instrument Date | Mar 7, 2022 |
| Instrument | 20220888 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $239.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 420 UNION ST, SUMNER, IA 50674-1253 |
| Document Number | 0020220889 |
|---|---|
| Date | Mar 9, 2022 |
| Instrument | 20220889 |
| Name | CARDINAL FINANCIAL CO |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BREMER IA |
| Recording Date | Jun 29, 2020 |
| Property Address | 420 UNION ST, SUMNER, IA 50674-1253 |
| Document Number | 0020202602 |
| Instrument Date | Jun 26, 2020 |
| Instrument | 20202602 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $194.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 202, SUMNER, IA 50674-0202 |
| Document Number | 0020202603 |
|---|---|
| Date | Jun 29, 2020 |
| Instrument | 20202603 |
| Name | NORTHEAST SECURITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 420 Union St was $2,486, up 1.9% from the year before.
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 | $2,486.00 (+1.89%) | $159,750 Land $17,100 Building $142,650 | $159,750 Land $17,100 Building $142,650 |
| 2024 | $2,440.00 | ||
| 2023 | $146,400 (+8.4%) Land $13,680 Building $132,720 | $146,400 (+8.4%) Land $13,680 Building $132,720 | |
| 2022 | $2,438.00 (+10.32%) Homeowner's exemption | $135,050 Land $13,680 Building $121,370 | $135,050 Land $13,680 Building $121,370 |
| 2021 | $2,210.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 420 Union St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 2004.
Source: FEMA National Flood Hazard Layer, effective January 28, 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 | 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.
Wildfire risk around 420 Union 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.
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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