511 Zach Rd, Sergeant Bluff, IA 51054 Property Records

Woodbury County property record for 511 Zach Rd, Sergeant Bluff, IA 51054

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,712 sqft · built 2024
Lot Size	0.286 acres (12,475 sqft)
Owner	2 Individual Names on Record
Tax Bill	$190 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Nov 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`884732329009`

Property Details

APN / Parcel Number

Primary APN	`884732329009`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,712 sqft Living Area
Basement Area	1,712 sqft
Unfinished Basement	1,712 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
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	1,148 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	511 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 18
Legal Subdivision	SERENITY POINT FIRST ADDITION
Legal Lot Number	18
Jurisdiction	WOODBURY IA
Township / Civil Division	WOODBURY
Census Block Group	3
Census Block	3037
Census Tract	3301

Owner

Source: Woodbury County records, as of March 27, 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	511 ZACH RD, SERGEANT BLUFF, IA 51054-8005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2024	Deed of Trust, Mortgage · Conventional Mortgage SIOUXLAND FCU
Nov 6, 2023	Deed of Trust, Mortgage · Construction Mortgage SIOUXLAND FCU
Aug 7, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	511 ZACH RD, SERGEANT BLUFF, IA 51054-8005
Transaction Type	Mortgage
Record Updated	Oct 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009368
Date	Oct 3, 2024
Instrument	2024-09368

Lender

Name	SIOUXLAND FCU
Type	Credit Union
Address	SOUTH SIOUX CITY, NE 68776

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year T-Bill
Margin	3
Max Rate	11.5%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	511 ZACH RD, SERGEANT BLUFF, IA 51054-8005
Transaction Type	Mortgage
Record Updated	Oct 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000574
Date	Nov 6, 2023
Instrument	2023-10574

Lender

Name	SIOUXLAND FCU
Type	Credit Union
Address	SOUTH SIOUX CITY, NE 68776

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 1, 2024

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WOODBURY IA
Recording Date	Aug 7, 2023
Property Address	511 ZACH RD, SERGEANT BLUFF, IA 51054-8005
Document Number	0000007388
Instrument Date	Aug 7, 2023
Instrument	2023-07388
Transaction Type	Transfer
Record Updated	Oct 2, 2025

Transaction

Amount	Amount Recorded
Tax	$92.80
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	606 CONISTON CIR, SERGEANT BLUFF, IA 51054-8956

Tax Assessment & Valuation

Source: Woodbury County assessment roll, as of October 2, 2025

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	$190.00 (+2.15%)	$456,810 (+3,592.89%) Land $58,220 Building $398,590	$456,810 (+3,592.89%) Land $58,220 Building $398,590
2023	$186.00 (-14.68%)	$12,370 Land $12,370	$12,370 Land $12,370
2022	$218.00

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 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

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

Wildfire Risk	Moderate above 58% of the US · above 95% of Iowa
Wildfire Likelihood	0.1% 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	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.

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