609 5th St, Lowden, IA 52255 Property Records

Cedar County property record for 609 5th St, Lowden, IA 52255

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,122 sqft · built 1873
Lot Size	0.251 acres (10,934 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Nov 2021)
Tax Bill	$986 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042008021290040`

Property Details

APN / Parcel Number

Primary APN	`042008021290040`
Alternative APN	`42004200802129004000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,122 sqft Living Area
Basement Area	456 sqft
Unfinished Basement	666 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1873
Effective Year Built	Effective 1873
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,934 sqft (0.251 acres)
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Patio Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	609 5TH ST
City	LOWDEN
State	IA
Zip	52255-9400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOWDEN LOT 6 EXC 42'X 28' SW COR BLK 1
Legal Subdivision	ORIGINAL TOWN NOW CITY OF LOWDEN
Legal Block	1
Legal Lot Number	6
Jurisdiction	CEDAR IA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3026
Census Tract	450100

Owner

609 5th St is owned by an individual who bought it in November 2021.

Source: Cedar County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 424, LOWDEN, IA 52255-0424
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2023	Deed of Trust, Mortgage · Closed-End Mortgage FIRST TRUST & SAVINGS BANK
Nov 2, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2021 · Amount on File
Deed Sale	Nov 2, 2021 · Amount on File
Deed Document Number	20214263
Deed Book / Page	1619 / 204
Prior Transfer Date	Apr 30, 2015
Prior Transfer Doc	001264/038
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	609 5TH ST, LOWDEN, IA 52255-9400
Transaction Type	Mortgage
Record Updated	Jan 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 424, LOWDEN, IA 52255-0424

Mortgage

Document Number	001716/248
Date	Dec 19, 2023
Book Page	1716/248
Instrument	2023 3173

Lender

Name	FIRST TRUST & SAVINGS BANK
Type	Bank
Address	WHEATLAND, IA 52777

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	62 Months
Due	Feb 19, 2029

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CEDAR IA
Recording Date	Nov 2, 2021
Property Address	609 5TH ST, LOWDEN, IA 52255-9400
Document Number	001619/204
Book / Page	1619 / 204
Instrument Date	Oct 29, 2021
Instrument	2021 4263
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 194, LOWDEN, IA 52255-0194

Mortgage

Document Number	001619/207
Date	Nov 2, 2021
Book Page	1619/207
Instrument	2021 4264

Lender

Name	FIRST TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 29, 2026

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 609 5th St was $986.

Source: Cedar County assessment roll, as of March 13, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Cedar County
Municipality	Lowden City
Unified School District	North Cedar Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$986.00	$65,990 (-) Land $15,570 Building $50,420	$65,990 (-) Land $15,570 Building $50,420
2025	$986.00 (+2.28%)	$65,990 Land $15,570 Building $50,420	$65,990 Land $15,570 Building $50,420
2024	$964.00
2023		$57,490 (+27.64%) Land $15,570 Building $41,920	$57,490 Land $15,570 Building $41,920
2022	$806.00	$45,040 Land $12,110 Building $32,930
2021			$45,040 Land $12,110 Building $32,930

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 609 5th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 17, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1986–2015)
Most Recent Claim	Nov 2015 · other causes

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

Wildfire risk around 609 5th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% 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	LOWDEN WATER SUPPLY serves 807 people · EPA ID IA1656001
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	2 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 284 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
F&B Communications Fiber	2,000 / 2,000
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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