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

Bremer County property record for 816 W 3rd St, Sumner, IA 50674

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,340 sqft · built 1956
Lot Size	0.249 acres (10,846 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Dec 2021)
Tax Bill	$3,068 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-23-453-007`

Property Details

APN / Parcel Number

Primary APN	`04-23-453-007`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,340 sqft Living Area
1st Floor Area	960 sqft
Basement Area	1,080 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	A-Frame
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,846 sqft (0.249 acres)
Lot Dimensions	132 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	12 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	816 W 3RD ST
City	SUMNER
State	IA
Zip	50674-1208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23-93-11 AP 1/2 SE W 82' S 132' LOT 8
Legal Range	11W
Legal Township	93N
Legal Section	23
Legal Subdivision	AUDITOR SUBD SE1/4 SEC 23 - SUMNER
Legal Block	93
Legal Lot Number	8
Jurisdiction	BREMER IA
Township / Civil Division	SUMNER
Census Block Group	1
Census Block	1011
Census Tract	4700

Owner

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

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 File
Mailing Address	816 W 3RD ST, SUMNER, IA 50674-1208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Dec 21, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 21, 2021 · Amount on Record
Deed Sale	Dec 21, 2021 · Amount on Record
Deed Document Number	20216060
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	816 W 3RD ST, SUMNER, IA 50674-1208
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 W 3RD ST, SUMNER, IA 50674-1208

Mortgage

Document Number	0020253042
Date	Sep 23, 2025
Instrument	20253042

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 5, 2035

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Dec 21, 2021
Property Address	816 W 3RD ST, SUMNER, IA 50674-1208
Document Number	0020216060
Map Reference	MB A PG 99-103
Instrument Date	Dec 9, 2021
Instrument	20216060
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	816 W 3RD ST, SUMNER, IA 50674-1208

Mortgage

Document Number	0020216061
Date	Dec 21, 2021
Instrument	20216061

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$3,068.00 (+0.26%) Homeowner's exemption	$220,820 (+20.63%) Land $20,500 Building $200,320	$220,820 (+20.63%) Land $20,500 Building $200,320
2023		$183,050 Land $16,400 Building $166,650	$183,050 Land $16,400 Building $166,650
2022	$3,060.00

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 at the parcel

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 Company Fiber	1,000 / 1,000
Northeast Iowa Telephone Company Fiber	1,000 / 1,000
AMG Technology Investment Group Fixed Wireless	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
LTD Broadband Fixed Wireless	150 / 130

May also be available: Uniti Group.

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