Tama County property record for 704 6th St, Traer, IA 50675
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,439 sqft · built 1876 |
| Lot Size | 0.496 acres (21,606 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Apr 2026) |
| Tax Bill | $3,176 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage May 2024 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07.10.260.021 |
| Primary APN | 07.10.260.021 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,439 sqft Living Area |
| Basement Area | 612 sqft |
| Unfinished Basement | 612 sqft |
| Year Built | Built 1876 |
|---|---|
| Effective Year Built | Effective 1876 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,606 sqft (0.496 acres) |
| Garage Type | Detached |
| Garage Area | 936 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 267 sqft |
| Deck Area | 375 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 704 6TH ST |
|---|---|
| City | TRAER |
| State | IA |
| Zip | 50675-1308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 10, 11 & 12 BLK 21 ORIGINAL |
| Legal Subdivision | ORIGINAL TOWN |
| Legal Block | 21 |
| Legal Lot Number | 10-12 |
| Jurisdiction | TAMA IA |
| Township / Civil Division | PERRY |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 290200 |
704 6th St is owned and occupied by two individuals who bought it in April 2026.
Source: Tama County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WCF FINANCIAL BANK |
| May 7, 2024 | Deed of Trust, Mortgage · Closed-End Mortgage WCF FINANCIAL BANK |
| Jun 4, 2025 | Deed of Trust, Mortgage · Closed-End Mortgage WCF FINANCIAL BANK |
| Apr 13, 2026 | Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY |
| Apr 13, 2026 | Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY |
| Jan 27, 2016 | Warranty Deed, Transfer · Line of Credit UNIVERSITY OF IOWA COMMUNITY CU |
| Jan 26, 2015 | Warranty Deed, Transfer |
| Jan 31, 2011 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 13, 2026 · Amount on File |
| Deed Sale | Apr 13, 2026 · Amount on File |
| Prior Sale | Jan 27, 2016 · Amount on File |
| Deed Document Number | 2026828 |
| Prior Transfer Date | Dec 30, 2010 |
| Prior Transfer Doc | 000883/244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TAMA IA |
| Property Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0020210371 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 2021-0371 |
| Name | WCF FINANCIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 15, 2026 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TAMA IA |
| Property Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Document Number | 0020241002 |
|---|---|
| Date | May 7, 2024 |
| Instrument | 2024-1002 |
| Name | WCF FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | WEBSTER CITY, IA 50595 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Apr 3, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TAMA IA |
| Property Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Document Number | 0020251421 |
|---|---|
| Date | Jun 4, 2025 |
| Instrument | 2025-1421 |
| Name | WCF FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | TAMA, IA 52339 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 62 Months |
| Due | Aug 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TAMA IA |
| Recording Date | Apr 13, 2026 |
| Property Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Document Number | 0000000828 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 2026.828 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $34,663.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000828, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 2026.828 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Date | Apr 13, 2026 |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 30 Months |
| Due | May 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TAMA IA |
| Recording Date | Apr 13, 2026 |
| Property Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Document Number | 0020260828 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 2026828 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $34,663.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Document Number | 0000000828, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 2026828 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Max Rate | -1% |
|---|
| Date | Apr 13, 2026 |
|---|
| Name | IOWA FINANCIAL AUTH |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TAMA IA |
| Recording Date | Jan 27, 2016 |
| Property Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Document Number | 000953/240 |
| Book / Page | 0953 / 240 |
| Instrument Date | Jan 13, 2016 |
| Instrument | 2016-0234 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22.32 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Document Number | 0020160235 |
|---|---|
| Date | Jan 27, 2016 |
| Instrument | 2016-0235 |
| Name | UNIVERSITY OF IOWA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 73 Months |
| Due | Feb 5, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TAMA IA |
| Recording Date | Jan 26, 2015 |
| Property Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Document Number | 000942/461 |
| Book / Page | 0942 / 461 |
| Instrument Date | Jan 24, 2015 |
| Instrument | 2015-0248 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $62.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | TAMA IA |
| Recording Date | Jan 31, 2011 |
| Property Address | 704 6TH ST, TRAER, IA 50675-1308 |
| Document Number | 000883/244 |
| Book / Page | 0883 / 244 |
| Instrument Date | Dec 30, 2010 |
| Instrument | 2011-0302 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 704 6TH ST, TRAER, IA 50675-1308 |
The 2025 property tax bill for 704 6th St was $3,176 with a homeowner's exemption.
Source: Tama County assessment roll, as of May 15, 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Tama County |
| Municipality | Traer City |
| Unified School District | North Tama County Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,176.00 Homeowner's exemption | $172,090 (+15.45%) Land $24,840 Building $147,250 | $172,090 Land $24,840 Building $147,250 |
| 2024 | $149,060 (+0.03%) Land $24,840 Building $124,220 | ||
| 2023 | $149,010 Land $24,840 Building $124,170 | $149,060 Land $24,840 Building $124,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 704 6th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.
Source: FEMA National Flood Hazard Layer, effective October 6, 2021 · 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 | 3 in force |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2008 · 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 risk around 704 6th 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TRAER MUNICIPAL WATER PLANT serves 1,583 people · EPA ID IA8681030 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 214 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL | 2,000 / 2,000 |
| Nextlink Fixed Wireless | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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