502 Mill St, Traer, IA 50675 Property Records

Tama County property record for 502 Mill St, Traer, IA 50675

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,456 sqft · built 1968
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Jan 2026)
Tax Bill	$2,770 (2025)
Deeds & Mortgages	Dec 2006 Mortgage May 2007 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`07.10.153.008`

Property Details

APN / Parcel Number

Primary APN	`07.10.153.008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
Basement Area	1,456 sqft
Finished Basement	700 sqft
Unfinished Basement	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,365 sqft (0.215 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	502 MILL ST
City	TRAER
State	IA
Zip	50675-1330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10-85-14 S 70' N 140' S 500' E 133.75' LOT 5 SW NW
Legal Range	14W
Legal Township	85N
Legal Section	10
Legal Subdivision	AUDITOR S
Legal Lot Number	5
Jurisdiction	TAMA IA
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3039
Census Tract	290200

Owner

Source: Tama County records, as of September 9, 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	502 MILL ST, TRAER, IA 50675-1330
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2006	Deed of Trust, Mortgage CITIFINANCIAL INC
May 31, 2007	Deed of Trust, Mortgage CITIFINANCIAL INC
Dec 1, 2006	Deed of Trust, Mortgage CITIFINANCIAL INC
Jul 10, 2006	Deed of Trust, Mortgage CITIFINANCIAL INC
Aug 23, 2006	Deed of Trust, Mortgage CITIFINANCIAL INC
Nov 28, 2007	Deed of Trust, Mortgage CITIFINANCIAL INC
Jan 22, 2018	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Jan 23, 2026	Warranty Deed, Transfer
Jan 22, 2018	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2026 · Amount on Record
Deed Sale	Jan 23, 2026 · Amount on Record
Deed Document Number	2026187
Record Updated	Oct 29, 2026

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	502 MILL ST, TRAER, IA 50675-1330
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000789/196
Date	Dec 22, 2006
Book Page	0789/196
Instrument	2006-6637

Lender

Name	CITIFINANCIAL INC
Type	Subprime Lender
Address	WATERLOO, IA 50701

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Jan 5, 2027

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	502 MILL ST, TRAER, IA 50675-1330
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000800/343
Date	May 31, 2007
Book Page	0800/343
Instrument	2007-1821

Lender

Name	CITIFINANCIAL INC
Type	Subprime Lender
Address	WATERLOO, IA 50701

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jun 5, 2037

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	502 MILL ST, TRAER, IA 50675-1330
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000788/041
Date	Dec 1, 2006
Book Page	0788/041
Instrument	2006-6364

Lender

Name	CITIFINANCIAL INC
Type	Subprime Lender
Address	WATERLOO, IA 50701

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Jan 5, 2022

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	502 MILL ST, TRAER, IA 50675-1330
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000777/078
Date	Jul 10, 2006
Book Page	0777/078
Instrument	2006-4594

Lender

Name	CITIFINANCIAL INC
Type	Subprime Lender
Address	WATERLOO, IA 50701

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Aug 11, 2021

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	502 MILL ST, TRAER, IA 50675-1330
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000780/005
Date	Aug 23, 2006
Book Page	0780/005
Instrument	2006-5207

Lender

Name	CITIFINANCIAL INC
Type	Subprime Lender
Address	WATERLOO, IA 50701

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Sep 5, 2026

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	502 MILL ST, TRAER, IA 50675-1330
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000814/238
Date	Nov 28, 2007
Book Page	0814/238
Instrument	2007-4337

Lender

Name	CITIFINANCIAL INC
Type	Subprime Lender
Address	WATERLOO, IA 50701

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Dec 5, 2037

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	502 MILL ST, TRAER, IA 50675-1330
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020180195
Date	Jan 22, 2018
Instrument	2018-0195

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Jan 23, 2026
Property Address	502 MILL ST, TRAER, IA 50675-1330
Document Number	0020260187
Instrument Date	Jan 21, 2026
Instrument	2026-0187
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$207.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	502 MILL ST, TRAER, IA 50675-1330

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAMA IA
Property Address	502 MILL ST, TRAER, IA 50675-1330
Transaction Type	Mortgage
Record Updated	Feb 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180195
Date	Jan 22, 2018
Instrument	2018-0195

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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	$2,770.00	$151,500 (+3.57%) Land $13,580 Building $137,920	$151,500 (+3.57%) Land $13,580 Building $137,920
2023		$146,280 Land $13,580 Building $132,700	$146,280 Land $13,580 Building $132,700

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 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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