705 5th St, Lowden, IA 52255 Property Records

Cedar County property record for 705 5th St, Lowden, IA 52255

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,840 sqft · built 1912
Lot Size	0.191 acres (8,320 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Sep 2025)
Tax Bill	$1,492 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`042008021010030`

Property Details

APN / Parcel Number

Primary APN	`042008021010030`
Alternative APN	`42004200802101003000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,840 sqft Living Area
Basement Area	840 sqft
Unfinished Basement	945 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,320 sqft (0.191 acres)
Garage Type	Detached
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	208 sqft
Deck Area	76 sqft
Patio Area	420 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	705 5TH ST
City	LOWDEN
State	IA
Zip	52255-9548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 104' OF E 110' LOT 1 NW NW EXC E 12'
Legal Range	01W
Legal Township	81N
Legal Section	02
Legal Lot Number	1
Jurisdiction	CEDAR IA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3019
Census Tract	450100

Owner

705 5th St is owned and occupied by an individual who bought it in September 2025.

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

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

Owner of Record	Individual Name on File
Mailing Address	705 5TH ST, LOWDEN, IA 52255-9548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on File
Deed Sale	Sep 22, 2025 · Amount on File
Prior Sale	May 7, 2013 · Amount on File
Deed Document Number	20252618
Deed Book / Page	1790 / 91
Prior Transfer Date	Sep 28, 2012
Prior Transfer Doc	001134/121
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CEDAR IA
Recording Date	Sep 22, 2025
Property Address	705 5TH ST, LOWDEN, IA 52255-9548
Document Number	0001790/91
Book / Page	1790 / 91
Map Reference	MB 3 PG 1
Instrument Date	Sep 3, 2025
Instrument	2025 2618
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$303.20
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	705 5TH ST, LOWDEN, IA 52255-9548

Mortgage

Document Number	0001790/93
Date	Sep 22, 2025
Book Page	1790/93
Instrument	2025 2619

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	JACKSONVILLE, FL 32246

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 705 5th St was $1,492 with a homeowner's exemption.

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	$1,492.00 Homeowner's exemption	$144,480 (+30.47%) Land $17,640 Building $126,840	$144,480 (+30.47%) Land $17,640 Building $126,840
2025	$1,492.00 (+2.75%) Homeowner's exemption	$110,740 (+5.54%) Land $17,640 Building $93,100	$110,740 Land $17,640 Building $93,100
2024	$1,452.00 Homeowner's exemption	$104,930 (+9.68%) Land $17,640 Building $87,290
2023		$95,670 (+27.42%) Land $17,640 Building $78,030	$104,930 Land $17,640 Building $87,290
2022	$1,186.00 Homeowner's exemption	$75,080 Land $13,720 Building $61,360
2021			$75,080 Land $13,720 Building $61,360

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 705 5th St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 705 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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