524 Stonegate Cir, Sergeant Bluff, IA 51054 Property Records

Woodbury County property record for 524 Stonegate Cir, Sergeant Bluff, IA 51054

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,189 sqft · built 1997
Lot Size	0.21 acres (9,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$302,000 (Apr 2023)
Tax Bill	$4,024 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`884731403009`

Property Details

APN / Parcel Number

Primary APN	`884731403009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	1,189 sqft Living Area
Basement Area	1,189 sqft
Finished Basement	750 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,150 sqft (0.21 acres)
Lot Dimensions	122 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	46 sqft
Deck Area	80 sqft
Patio Area	80 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	524 STONEGATE CIR
City	SERGEANT BLUFF
State	IA
Zip	51054-8914
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN OF SGT BLUFF PRAIRIE VIEW 1ST ADDN BLK 2 LOT 5
Legal Subdivision	PRAIRIE VIEW FIRST ADDITION
Legal Block	2
Legal Lot Number	5
Jurisdiction	WOODBURY IA
Township / Civil Division	WOODBURY
Census Block Group	3
Census Block	3040
Census Tract	3301

Owner

Source: Woodbury County records, as of September 1, 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	524 STONEGATE CIR, SERGEANT BLUFF, IA 51054-8914
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Deed of Trust, Mortgage · Line of Credit PIONEER BANK
Apr 6, 2023	Warranty Deed, Transfer · Conventional Mortgage PIONEER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2023 · Amount on Record
Deed Sale	Apr 6, 2023 · Amount on Record
Prior Sale	Mar 20, 2015 · Amount on Record
Deed Document Number	20232893
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	524 STONEGATE CIR, SERGEANT BLUFF, IA 51054-8914
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 STONEGATE CIR, SERGEANT BLUFF, IA 51054-8914

Mortgage

Document Number	0000000400
Date	Jan 12, 2026
Instrument	2026-00400

Lender

Name	PIONEER BANK
Type	Bank
Address	SERGEANT BLUFF, IA 51054

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 28, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WOODBURY IA
Recording Date	Apr 6, 2023
Property Address	524 STONEGATE CIR, SERGEANT BLUFF, IA 51054-8914
Document Number	0000002893
Instrument Date	Mar 17, 2023
Instrument	2023-02893
Transaction Type	Transfer
Record Updated	Oct 2, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$482.40
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	524 STONEGATE CIR, SERGEANT BLUFF, IA 51054-8914

Mortgage

Document Number	0000002894
Date	Apr 6, 2023
Instrument	2023-02894

Lender

Name	PIONEER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2020
Change Frequency	5 Years
Min Rate At Change	5%
Max Rate At Change	7.37%
Index	5-Year CMT
Margin	3
Max Rate	11.3%

Tax Assessment & Valuation

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	$4,024.00 (+6.4%)	$273,310 (+8.09%) Land $38,360 Building $234,950	$273,310 (+8.09%) Land $38,360 Building $234,950
2023	$3,782.00 (+2.6%)	$252,860 Land $31,130 Building $221,730	$252,860 Land $31,130 Building $221,730
2022	$3,686.00

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	Low lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	0.02% 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 285 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	1,000 / 50
Nextlink Fixed Wireless	300 / 75

May also be available: ImOn Communications, Verizon.

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