603 Spruce St, Atlantic, IA 50022 Property Records

Cass County property record for 603 Spruce St, Atlantic, IA 50022

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,456 sqft · built 1934
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Oct 2025)
Tax Bill	$2,100 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Oct 2025 Sale & Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`303004872001000`

Property Details

APN / Parcel Number

Primary APN	`303004872001000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,165 sqft
Attic	Attic
Attic Area	291 sqft
Basement Area	1,165 sqft
Finished Basement	570 sqft
Game Room	Game Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	196 sqft
Deck Area	172 sqft
Patio Area	172 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	603 SPRUCE ST
City	ATLANTIC
State	IA
Zip	50022-1538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	D & K ADD LOT 2 BLK 15
Legal Subdivision	DICKERSON & KEYES ADDITION
Legal Block	15
Legal Lot Number	2
Jurisdiction	CASS IA
Township / Civil Division	GROVE
Census Block Group	1
Census Block	1040
Census Tract	190400

Owner

Source: Cass 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	603 SPRUCE ST, ATLANTIC, IA 50022-1538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Deed of Trust, Mortgage · Line of Credit FIRST WHITNEY BANK & TRUST
Oct 3, 2025	Warranty Deed, Transfer · Stand-Alone Second Mortgage IOWA FINANCE AUTHORITY
Aug 18, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST WHITNEY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2025 · Amount on Record
Deed Sale	Oct 3, 2025 · Amount on Record
Prior Sale	Aug 18, 2023 · Amount on Record
Deed Book / Page	2025 / 1727
Prior Transfer Date	Nov 8, 2013
Prior Transfer Doc	02013/2528
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	603 SPRUCE ST, ATLANTIC, IA 50022-1538
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002023/51
Date	Jan 13, 2023
Book Page	2023/51
Instrument	2023-51

Lender

Name	FIRST WHITNEY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS IA
Recording Date	Oct 3, 2025
Property Address	603 SPRUCE ST, ATLANTIC, IA 50022-1538
Document Number	02025/1727
Book / Page	2025 / 1727
Instrument Date	Sep 30, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$231.20
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	603 SPRUCE ST, ATLANTIC, IA 50022-1538

Mortgage

Document Number	0020251729
Date	Oct 3, 2025
Instrument	2025/1729

Lender

Name	IOWA FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Mortgage

Document Number	02025/1728
Date	Oct 3, 2025
Book Page	2025/1728

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS IA
Recording Date	Aug 18, 2023
Property Address	603 SPRUCE ST, ATLANTIC, IA 50022-1538
Document Number	02023/1265
Book / Page	2023 / 1265
Instrument Date	Aug 17, 2023
Transaction Type	Transfer
Record Updated	Nov 21, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 SPRUCE ST, ATLANTIC, IA 50022-1538

Mortgage

Document Number	0020231266
Date	Aug 18, 2023
Instrument	2023///1266

Lender

Name	FIRST WHITNEY BANK & TRUST
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Cass County assessment roll, as of February 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,100.00 Homeowner's exemption	$133,030 (-) Land $5,350 Building $127,680	$133,030 (-) Land $5,350 Building $127,680
2025	$2,100.00 (-6%) Homeowner's exemption	$133,030 (+7.03%) Land $5,350 Building $127,680	$133,030 (+7.03%) Land $5,350 Building $127,680
2024	$2,234.00 (+36.39%) Homeowner's exemption	$124,290 (-) Land $5,350 Building $118,940
2023		$124,290 Land $5,350 Building $118,940	$124,290 Land $5,350 Building $118,940
2022	$1,638.00

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 May 16, 2017

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 99.1% of the US · lower than 91% 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	ATLANTIC MUNICIPAL UTILITIES serves 7,252 people · EPA ID IA1509074
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) 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 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Massena Telephone Company Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Western Iowa Wireless.

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