604 Topaz Dr, Sergeant Bluff, IA 51054 Property Records

Woodbury County property record for 604 Topaz Dr, Sergeant Bluff, IA 51054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,842 sqft · built 1987
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on File
Last Sale	$257,500 (May 2020)
Tax Bill	$5,110 (2025)
Deeds & Mortgages	Aug 2023 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`884731252008`

Property Details

APN / Parcel Number

Primary APN	`884731252008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,842 sqft Living Area
1st Floor Area	762 sqft
Basement Area	762 sqft
Finished Basement	680 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	125 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Deck Area	257 sqft
Patio Area	257 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	604 TOPAZ DR
City	SERGEANT BLUFF
State	IA
Zip	51054-8920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOLDEN FLATS ADDITION LOT 58
Legal Subdivision	GOLDEN FLATS ADDITION
Legal Lot Number	58
Jurisdiction	WOODBURY IA
Township / Civil Division	WOODBURY
Census Block Group	3
Census Block	3035
Census Tract	3301

Owner

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

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 File
Mailing Address	604 TOPAZ DR, SERGEANT BLUFF, IA 51054-8920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 4, 2020	Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK
May 23, 2018	Warranty Deed, Transfer CENTRAL BANK FOR SAVINGS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 4, 2020 · Amount on Record
Deed Sale	May 4, 2020 · Amount on Record
Prior Sale	May 23, 2018 · Amount on Record
Deed Document Number	20205241
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODBURY IA
Property Address	604 TOPAZ DR, SERGEANT BLUFF, IA 51054-8920
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 TOPAZ DR, SERGEANT BLUFF, IA 51054-8920

Mortgage

Document Number	0000007596
Date	Aug 11, 2023
Instrument	2023-07596

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WOODBURY IA
Recording Date	May 4, 2020
Property Address	604 TOPAZ DR, SERGEANT BLUFF, IA 51054-8920
Document Number	0000005241
Instrument Date	Apr 30, 2020
Instrument	2020-05241
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$411.20
Amount Accuracy	Calculated from Transfer Tax
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	604 TOPAZ DR, SERGEANT BLUFF, IA 51054-8920

Mortgage

Document Number	0000005242
Date	May 4, 2020
Instrument	2020-05242

Lender

Name	HERITAGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WOODBURY IA
Recording Date	May 23, 2018
Property Address	604 TOPAZ DR, SERGEANT BLUFF, IA 51054-8920
Document Number	0000012809
Book / Page	758 / 9100
Instrument Date	Apr 30, 2018
Instrument	000000012809
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 TOPAZ DR, SERGEANT BLUFF, IA 51054-8920

Mortgage

Document Number	0000012810
Date	May 23, 2018
Book Page	0000000758/0000009104
Instrument	000000012810

Lender

Name	CENTRAL BANK FOR SAVINGS

Agreement

Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

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	$5,110.00 (+3.15%)	$353,130 (+6.6%) Land $17,060 Building $336,070	$353,130 (+6.6%) Land $17,060 Building $336,070
2023	$4,954.00 (+6.49%)	$331,280 Land $18,460 Building $312,820	$331,280 Land $18,460 Building $312,820
2022	$4,652.00

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	Not rated no burnable land within 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 135 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
AT&T Fixed Wireless	100 / 20

May also be available: ImOn Communications, T-Mobile, Verizon.

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