507 Zach Rd, Sergeant Bluff, IA 51054 Property Records

Woodbury County property record for 507 Zach Rd, Sergeant Bluff, IA 51054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,720 sqft · built 2021
Lot Size	0.286 acres (12,475 sqft)
Owner	Individual Name on File
Last Sale	$388,500 (Nov 2021)
Tax Bill	$4,014 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`884732329007`

Property Details

APN / Parcel Number

Primary APN	`884732329007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,720 sqft Living Area
1st Floor Area	1,692 sqft
Basement Area	1,692 sqft
Unfinished Basement	1,692 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,475 sqft (0.286 acres)
Lot Dimensions	149 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	1,064 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	507 ZACH RD
City	SERGEANT BLUFF
State	IA
Zip	51054-8005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SERENITY POINT FIRST LOT 16
Legal Subdivision	SERENITY POINT 1ST ADD
Legal Lot Number	16
Jurisdiction	WOODBURY IA
Township / Civil Division	WOODBURY
Census Block Group	3
Census Block	3037
Census Tract	3301

Owner

507 Zach Rd is owned and occupied by an individual who acquired it in February 2025.

Source: Woodbury County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	507 ZACH RD, SERGEANT BLUFF, IA 51054-8005
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 17, 2026	Deed of Trust, Mortgage · Loan Assumption CITIZENS BANK NA
Jun 11, 2025	Deed of Trust, Mortgage · Line of Credit SECURITY NATIONAL BANK OF SOUTH DAKOTA
Nov 17, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SECURITY NATL BANK SIOUX CITY
Jan 29, 2021	Warranty Deed, Construction Loan · Construction Mortgage PRIMEBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2021 · Amount on File
Deed Sale	Nov 17, 2021 · Amount on File
Deed Document Number	202116030
Last Transfer Date	Feb 27, 2025
Transfer Doc	0000001888
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	507 ZACH RD, SERGEANT BLUFF, IA 51054-8005
Transaction Type	Mortgage
Record Updated	Apr 27, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 ZACH RD, SERGEANT BLUFF, IA 51054-8005

Mortgage

Document Number	0000002760
Date	Mar 17, 2026
Instrument	2026-02760

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	GLEN ALLEN, VA 23059

Agreement

Type	Loan Assumption
Amount	Amount on Record

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	507 ZACH RD, SERGEANT BLUFF, IA 51054-8005
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 ZACH RD, SERGEANT BLUFF, IA 51054-8005

Mortgage

Document Number	0000005804
Date	Jun 11, 2025
Instrument	2025-05804

Lender

Name	SECURITY NATIONAL BANK OF SOUTH DAKOTA
Type	Bank
Address	NORTH SIOUX CITY, SD 57049

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 15, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WOODBURY IA
Recording Date	Nov 17, 2021
Property Address	507 ZACH RD, SERGEANT BLUFF, IA 51054-8005
Document Number	0000006030
Instrument Date	Oct 5, 2021
Instrument	2021-16030
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Tax	$620.80
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	507 ZACH RD, SERGEANT BLUFF, IA 51054-8005

Mortgage

Document Number	0000006103
Date	Nov 17, 2021
Instrument	2021-16103

Lender

Name	SECURITY NATL BANK SIOUX CITY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0000006103
Date	Nov 18, 2021
Instrument	2021-16103

Lender

Name	SECURITY NATL BANK SIOUX CITY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

January 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WOODBURY IA
Recording Date	Jan 29, 2021
Property Address	507 ZACH RD, SERGEANT BLUFF, IA 51054-8005
Document Number	0000001371
Instrument Date	Jan 25, 2021
Instrument	1371
Transaction Type	Construction Loan
Record Updated	Apr 8, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$85.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1114 4TH ST SIOUX CITY IA 511011904, SIOUX CITY, IA 51101-1904

Mortgage

Document Number	1365
Date	Jan 29, 2021
Instrument	1365

Lender

Name	PRIMEBANK
Address	SIOUX CITY, IA 51104

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 507 Zach Rd was $4,014.

Source: Woodbury County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Woodbury County
Municipality	Sergeant Bluff City
Unified School District	Sergeant Bluff-Luton Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,014.00	$443,790 Land $58,220 Building $385,570	$443,790 Land $58,220 Building $385,570
2023	$2,510.00 (+21.14%)	$167,860 Land $49,490 Building $118,370	$407,380
2022	$2,072.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 507 Zach Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 22, 2024 · 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	4 in force

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 507 Zach Rd is low, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 66% of Iowa
Wildfire Likelihood	0.09% 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	SERGEANT BLUFF WATER SUPPLY serves 5,015 people · EPA ID IA9774033
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	4 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Fiber · Cable in parts of the area	1,000 / 1,000
Sparklight Cable · Fiber in parts of the area	1,000 / 50

May also be available: ImOn Communications, Nextlink, Verizon.

Nearby Properties on Zach Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures