554 4th St N, Winthrop, IA 50682 Property Records

Buchanan County property record for 554 4th St N, Winthrop, IA 50682

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 1,938 sqft · built 1982
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Nov 2023)
Tax Bill	$3,164 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0736253003`

Property Details

APN / Parcel Number

Primary APN	`0736253003`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,938 sqft Living Area
Basement Area	672 sqft
Finished Basement	1,070 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	17,424 sqft (0.4 acres)
Garage Area	528 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	554 4TH ST N
City	WINTHROP
State	IA
Zip	50682-9360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NE COR LOT 4 BLK4 BRIDGES N132' W132'S 132' E132' TO POB
Legal Subdivision	BRIDGES
Legal Block	4
Legal Lot Number	4
Jurisdiction	BUCHANAN IA
Township / Civil Division	BYRON
Census Block Group	3
Census Block	3060
Census Tract	950100

Owner

Source: Buchanan County records, as of September 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	554 4TH ST N, WINTHROP, IA 50682-9360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit HILLS BANK AND TRUST CO
Nov 8, 2023	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2023 · Amount on Record
Deed Sale	Nov 8, 2023 · Amount on Record
Deed Document Number	20233135
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	554 4TH ST N, WINTHROP, IA 50682-9360
Transaction Type	Mortgage
Record Updated	Nov 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R02791
Date	Oct 11, 2023
Instrument	2023R02791

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Nov 10, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN IA
Recording Date	Nov 8, 2023
Property Address	554 4TH ST N, WINTHROP, IA 50682-9360
Document Number	2023R03135
Instrument Date	Nov 5, 2023
Instrument	2023R03135
Transaction Type	Transfer
Record Updated	Dec 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.20
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	554 4TH ST N, WINTHROP, IA 50682-9360

Mortgage

Document Number	2023R03136
Date	Nov 8, 2023
Instrument	2023R03136

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

Source: Buchanan County assessment roll, as of September 22, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Buchanan County
Municipality	Winthrop City
Unified School District	East Buchanan Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,164.00 (+20.95%)	$216,050 (+13.44%) Land $15,430 Building $200,620	$216,050 (+13.44%) Land $15,430 Building $200,620
2023	$2,616.00 Homeowner's exemption	$190,450 Land $13,780 Building $176,670	$190,450 Land $13,780 Building $176,670

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 December 29, 2020 · 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	1 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	May 2004 · 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% 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	WINTHROP WATER SUPPLY serves 840 people · EPA ID IA1093031
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
East Buchanan Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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