704 W Clark St, Calmar, IA 52132 Property Records

Winneshiek County property record for 704 W Clark St, Calmar, IA 52132

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,388 sqft · built 1984
Lot Size	0.212 acres (9,243 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,826 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2018 Refinance
Flood Zone	Zone X (minimal risk)
APN	`143520600200`

Property Details

APN / Parcel Number

Primary APN	`143520600200`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,388 sqft Living Area
1st Floor Area	1,136 sqft
Basement Area	1,388 sqft
Finished Basement	275 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,243 sqft (0.212 acres)
Lot Dimensions	117 ft deep x 79 ft wide
Garage Type	Attached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	272 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	704 W CLARK ST
City	CALMAR
State	IA
Zip	52132-7502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 3 & W 1/2 L 2 BLK 78 WESTERN ADDN
Legal Range	09W
Legal Township	97N
Legal Section	35
Legal Subdivision	WESTERN ADD
Legal Block	78
Jurisdiction	WINNESHIEK IA
Township / Civil Division	CALMAR
Census Block Group	1
Census Block	1036
Census Tract	950500

Owner

704 W Clark St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	704 W CLARK ST, CALMAR, IA 52132-7502
Occupancy	Owner Occupied
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
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST NA
Dec 3, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	704 W CLARK ST, CALMAR, IA 52132-7502
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/2311
Date	Jun 26, 2020
Book Page	2020/2311
Instrument	2020 2311

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2035

Interest

Rate Type	Fixed Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	704 W CLARK ST, CALMAR, IA 52132-7502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/3344
Date	Dec 3, 2018
Book Page	2018/3344
Instrument	3344

Lender

Name	STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 704 W Clark St was $3,826 with a homeowner's exemption.

Source: Winneshiek County assessment roll, as of October 21, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Calmar City
County	Winneshiek County
Unified School District	South Winneshiek Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,826.00	$236,640 (-) Land $18,390 Building $218,250	$236,640 (-) Land $18,390 Building $218,250
2025	$3,826.00 (+14%) Homeowner's exemption	$236,640 Land $18,390 Building $218,250	$236,640 Land $18,390 Building $218,250
2024	$3,356.00
2023		$202,820 (+17.5%) Land $18,390 Building $184,430	$206,120
2022	$3,154.00 Homeowner's exemption	$172,620 Land $15,330 Building $157,290
2021			$179,220

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

Flood

FEMA maps place 704 W Clark St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective February 21, 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
Nearby Flood Claims	3 (2021)
Most Recent Claim	Aug 2021 · river or lake 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

Wildfire risk around 704 W Clark 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CALMAR WATER SUPPLY serves 1,125 people · EPA ID IA9615064
Water Source	Groundwater
Last State Inspection	Aug 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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hawkeye Telephone Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: Acentek.

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