509 E 1st St, Tipton, IA 52772 Property Records

Cedar County property record for 509 E 1st St, Tipton, IA 52772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,390 sqft · built 2001
Lot Size	0.229 acres (9,975 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Apr 2026)
Tax Bill	$4,326 (2026)
Deeds & Mortgages	May 2019 Refinance Apr 2026 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`048011062560070`

Property Details

APN / Parcel Number

Primary APN	`048011062560070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,390 sqft Living Area
Basement Area	1,390 sqft
Finished Basement	1,125 sqft
Unfinished Basement	265 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,975 sqft (0.229 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	251 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	509 E 1ST ST
City	TIPTON
State	IA
Zip	52772-1948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAMPS 1ST ADD LOT 6
Legal Range	02W
Legal Township	80N
Legal Section	06
Legal Subdivision	LAMP S FIRST ADDITION
Legal Lot Number	6
Jurisdiction	CEDAR IA
Township / Civil Division	CENTER
Census Block Group	3
Census Block	3036
Census Tract	450300

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	509 E 1ST ST, TIPTON, IA 52772-1948
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance IOWA BANKERS MORTGAGE CORPORATION
Apr 24, 2026	Warranty Deed, Transfer · FHA Mortgage NONE LISTED ON DOCUMENT
Apr 24, 2026	Warranty Deed, Transfer · FHA Mortgage NFM LENDING
May 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance IOWA BANKERS MORTGAGE CORPORATION
Aug 10, 2018	Warranty Deed, Transfer
Jul 15, 2009	Warranty Deed, Transfer · Conventional Mortgage HILLS BANK AND TRUST CO
Jul 6, 2006	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Aug 6, 2015 · Amount on Record
Deed Document Number	20261177
Deed Book / Page	1816 / 328
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	509 E 1ST ST, TIPTON, IA 52772-1948
Transaction Type	Mortgage
Record Updated	May 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001467/191
Date	May 22, 2019
Book Page	1467/191
Instrument	1453

Lender

Name	IOWA BANKERS MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CEDAR IA
Recording Date	Apr 24, 2026
Property Address	509 E 1ST ST, TIPTON, IA 52772-1948
Document Number	0000001177
Book / Page	1816 / 328
Instrument Date	Apr 17, 2026
Instrument	2026.1177
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,127.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	509 E 1ST ST, TIPTON, IA 52772-1948

Mortgage

Document Number	0000001178,
Date	Apr 24, 2026
Instrument	2026..1178

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CEDAR IA
Recording Date	Apr 24, 2026
Property Address	509 E 1ST ST, TIPTON, IA 52772-1948
Document Number	001816/328
Book / Page	1816 / 328
Instrument Date	Apr 17, 2026
Instrument	20261177
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,127.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	509 E 1ST ST, TIPTON, IA 52772-1948
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001178,
Date	Apr 24, 2026
Instrument	20261178

Lender

Name	NFM LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	509 E 1ST ST, TIPTON, IA 52772-1948
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1467/191
Date	May 22, 2019
Book Page	1467/191
Instrument	1453

Lender

Name	IOWA BANKERS MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CEDAR IA
Recording Date	Aug 10, 2018
Property Address	509 E 1ST ST, TIPTON, IA 52772-1948
Document Number	001429/309
Book / Page	1429 / 309
Instrument Date	Aug 10, 2018
Instrument	000000002651
Transaction Type	Transfer
Record Updated	Apr 26, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E 1ST ST, TIPTON, IA 52772-1948

July 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CEDAR IA
Recording Date	Jul 15, 2009
Property Address	509 E 1ST ST, TIPTON, IA 52772-1948
Document Number	000956/021
Book / Page	0956 / 021
Instrument Date	Jul 10, 2009
Instrument	2009 2572
Transaction Type	Transfer
Record Updated	Apr 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.80
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	509 E 1ST ST, TIPTON, IA 52772-1948

Mortgage

Document Number	000956/025
Date	Jul 15, 2009
Book Page	0956/025
Instrument	2009 2573

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2039

July 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CEDAR IA
Recording Date	Jul 6, 2006
Property Address	509 E 1ST ST, TIPTON, IA 52772-1948
Document Number	000798/250
Book / Page	0798 / 250
Instrument Date	Jul 3, 2006
Instrument	2006 2770
Transaction Type	Transfer
Record Updated	Apr 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$244.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E 1ST ST, TIPTON, IA 52772-1948

Mortgage

Document Number	000798/252
Date	Jul 6, 2006
Book Page	0798/252
Instrument	2006 2771

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Cedar County
Municipality	Tipton City
Unified School District	Tipton Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,326.00	$260,280 (-) Land $27,250 Building $233,030	$260,280 (-) Land $27,250 Building $233,030
2025	$4,326.00 (+1.07%)	$260,280 (+12.26%) Land $27,250 Building $233,030	$260,280 (+12.26%) Land $27,250 Building $233,030
2024	$4,280.00 (+13.95%)
2023		$231,850 (+25.6%) Land $27,250 Building $204,600	$231,850 (+25.6%) Land $27,250 Building $204,600
2022	$3,756.00	$184,590 Land $23,060 Building $161,530
2021			$184,590 Land $23,060 Building $161,530

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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% 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	TIPTON WATER SUPPLY serves 3,149 people · EPA ID IA1689022
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	1 ppb (2021–2023) 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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cedar Communications Fiber	1,000 / 1,000
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	200 / 20
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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