705 Cedar St, Atlantic, IA 50022 Property Records

Cass County property record for 705 Cedar St, Atlantic, IA 50022

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,591 sqft · built 1919
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,204 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`300005013001000`

Property Details

APN / Parcel Number

Primary APN	`300005013001000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Stories	1 Story
Building Area	1,591 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Finished Basement	468 sqft
Game Room	Game Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	716 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	341 sqft
Deck Area	181 sqft
Patio Area	791 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	705 CEDAR ST
City	ATLANTIC
State	IA
Zip	50022-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 105
Legal Subdivision	ORIGINAL TOWN - ATLANTIC
Legal Block	105
Legal Lot Number	3
Jurisdiction	CASS IA
Township / Civil Division	GROVE
Census Block Group	1
Census Block	1005
Census Tract	190500

Owner

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

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 Record
Mailing Address	705 CEDAR ST, ATLANTIC, IA 50022-1608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST WHITNEY BANK & TRUST
Apr 2, 2018	Deed of Trust, Mortgage FIRST WHITNEY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 8, 2022
Transfer Doc	2022000240
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	705 CEDAR ST, ATLANTIC, IA 50022-1608
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1539
Date	Aug 27, 2020
Book Page	2020/1539
Instrument	2020-1539

Lender

Name	FIRST WHITNEY BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2035

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	705 CEDAR ST, ATLANTIC, IA 50022-1608
Transaction Type	Mortgage
Record Updated	May 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000594
Date	Apr 2, 2018
Book Page	0000002018/0000000594

Lender

Name	FIRST WHITNEY BANK & TRUST
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cass County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Cass County
Municipality	Atlantic City
Unified School District	Atlantic Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,204.00 Homeowner's exemption	$139,060 (-) Land $5,350 Building $133,710	$139,060 (-) Land $5,350 Building $133,710
2025	$2,204.00 (+17.36%) Homeowner's exemption	$139,060 (+21.27%) Land $5,350 Building $133,710	$139,060 (+21.27%) Land $5,350 Building $133,710
2024	$1,878.00 (-3.59%)
2023		$114,670 Land $5,350 Building $109,320	$114,670 Land $5,350 Building $109,320
2022	$1,948.00

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 May 16, 2017 · 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	1 in force
Nearby Flood Claims	10 (1979–1998)
Most Recent Claim	Jun 1998 · Severe Storms, Tornadoes And Flooding
Claims by Event	Severe Storms, Tornadoes And Flooding, Jun 1998 · 3 claims Severe Storms & Flooding, Jun 1991 · 3 claims

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	ATLANTIC MUNICIPAL UTILITIES serves 7,252 people · EPA ID IA1509074
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) 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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon, Western Iowa Wireless.

Cell Coverage

5G (outdoors only) and 4G LTE

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