45 Shadow Ln, Lisbon, IA 52253 Property Records

Cedar County property record for 45 Shadow Ln, Lisbon, IA 52253

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,608 sqft · built 1974
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Nov 2025)
Tax Bill	$3,966 (2026)
Deeds & Mortgages	Sep 2025 Second Mortgage May 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026001183780020`

Property Details

APN / Parcel Number

Primary APN	`026001183780020`
Alternative APN	`26002600118378002000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,608 sqft Living Area
Basement Area	1,608 sqft
Finished Basement	1,300 sqft
Unfinished Basement	262 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	304 sqft
Deck Area	Deck Area
Patio Area	234 sqft
Shed	1 Shed
Lean-To	Lean-To
Wet Bar	Wet Bar

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 SHADOW LN
City	LISBON
State	IA
Zip	52253-8543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATKINSON AC LOT 11 SE SW
Legal Range	04W
Legal Township	82N
Legal Section	18
Legal Subdivision	WATKINSON ACRES
Legal Lot Number	11
Jurisdiction	CEDAR IA
Township / Civil Division	PIONEER
Census Block Group	3
Census Block	3017
Census Tract	450200

Owner

Source: Cedar County records, as of October 20, 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 Record
Mailing Address	45 SHADOW LN, LISBON, IA 52253-8543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HILLS BANK AND TRUST CO
May 18, 2020	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Nov 20, 2025	Warranty Deed, Transfer · Conventional Mortgage ALLIANT CU
Nov 22, 2019	Warranty Deed, Transfer · FHA Mortgage OPEN MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2025 · Amount on Record
Deed Sale	Nov 20, 2025 · Amount on Record
Prior Sale	Nov 22, 2019 · Amount on Record
Deed Document Number	20253274
Deed Book / Page	1797 / 282
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	45 SHADOW LN, LISBON, IA 52253-8543
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001791/134
Date	Sep 25, 2025
Book Page	1791/134
Instrument	2025 2682

Lender

Name	HILLS BANK AND TRUST CO
Type	Bank
Address	HILLS, IA 52235

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Oct 1, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	45 SHADOW LN, LISBON, IA 52253-8543
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001522/40
Date	May 18, 2020
Book Page	1522/40
Instrument	2020 1485

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CEDAR IA
Recording Date	Nov 20, 2025
Property Address	45 SHADOW LN, LISBON, IA 52253-8543
Document Number	001797/282
Book / Page	1797 / 282
Map Reference	MB 5 PG 73
Instrument Date	Nov 20, 2025
Instrument	2025 3274
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$543.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 SHADOW LN, LISBON, IA 52253-8543

Mortgage

Document Number	0020253275
Date	Nov 20, 2025
Instrument	2025 3275

Lender

Name	ALLIANT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CEDAR IA
Recording Date	Nov 22, 2019
Property Address	45 SHADOW LN, LISBON, IA 52253-8543
Document Number	0001496/65
Book / Page	1496 / 65
Instrument Date	Nov 14, 2019
Instrument	3685
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Amount	Amount Recorded
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	45 SHADOW LN, LISBON, IA 52253-8543

Mortgage

Document Number	0001496/75
Date	Nov 22, 2019
Book Page	1496/75
Instrument	3686

Lender

Name	OPEN MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Cedar County assessment roll, as of March 13, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Cedar County
Unified School District	Lisbon Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,966.00 Homeowner's exemption	$321,550 (-) Land $80,600 Building $240,950	$321,550 (-) Land $80,600 Building $240,950
2025	$3,966.00 (-1.54%) Homeowner's exemption	$321,550 (+4.47%) Land $80,600 Building $240,950	$321,550 (+4.47%) Land $80,600 Building $240,950
2024	$4,028.00 (+29.02%) Homeowner's exemption	$307,780 (+1.89%) Land $77,000 Building $230,780
2023		$302,060 (+42.6%) Land $77,000 Building $225,060	$307,780 (+45.3%) Land $77,000 Building $230,780
2022	$3,122.00 Homeowner's exemption	$211,820 Land $50,000 Building $161,820
2021			$211,820 Land $50,000 Building $161,820

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 17, 2013

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 64% of Iowa
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 1,000
Mechanicsville Telephone Company Fiber	1,000 / 250
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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