813 W 3rd St, Sumner, IA 50674 Property Records

Bremer County property record for 813 W 3rd St, Sumner, IA 50674

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,162 sqft · built 1913
Lot Size	0.476 acres (20,735 sqft)
Owner	Individual Name on Record
Tax Bill	$3,100 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-23-454-001`

Property Details

APN / Parcel Number

Primary APN	`04-23-454-001`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,162 sqft Living Area
1st Floor Area	714 sqft
Basement Area	714 sqft
Finished Basement	250 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,735 sqft (0.476 acres)
Lot Dimensions	130 ft deep x 160 ft wide
Garage Type	Mixed
Garage Area	2,348 sqft
Parking Spaces	9 Parking Spaces
Porch	Slab
Porch Area	68 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	813 W 3RD ST
City	SUMNER
State	IA
Zip	50674-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23-93-11 A P SW SE BG NW COR LOT 12-E 160.4' S 130' W TO W LINE LOT 12 N 129.08' TO BG
Legal Range	11W
Legal Township	93N
Legal Section	23
Legal Subdivision	AUDITOR SUBD SE1/4 SEC 23 - SUMNER
Legal Block	93
Legal Lot Number	12
Jurisdiction	BREMER IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1010
Census Tract	4700

Owner

Source: Bremer County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	813 W 3RD ST, SUMNER, IA 50674-1207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage RELIABANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 30, 2008
Transfer Doc	20082630
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	813 W 3RD ST, SUMNER, IA 50674-1207
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020231568
Date	Jun 12, 2023
Instrument	20231568

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 11, 2048

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	813 W 3RD ST, SUMNER, IA 50674-1207
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20214884
Date	Oct 4, 2021
Instrument	20214884

Lender

Name	RELIABANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bremer County assessment roll, as of September 18, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Bremer County
Municipality	Sumner City
Unified School District	Sumner-Fredericksburg Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,100.00 (+7.49%) Homeowner's exemption	$210,050 (+16.71%) Land $27,420 Building $182,630	$210,050 (+16.71%) Land $27,420 Building $182,630
2024	$2,884.00 (+16.86%)
2023		$179,980 Land $25,600 Building $154,380	$179,980 Land $25,600 Building $154,380
2022	$2,468.00

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 January 28, 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	5 in force
Nearby Flood Claims	12 (2004–2025)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jul 2017 · 7 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	Low lower than 99.1% of the US · lower than 91% 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	SUMNER WATER SUPPLY serves 2,030 people · EPA ID IA0970006
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hawkeye Telephone Fiber	1,000 / 1,000
Northeast Iowa Telephone Company Fiber	1,000 / 1,000
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: Windstream.

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