86 Main St, Lowden, IA 52255 Property Records

Cedar County property record for 86 Main St, Lowden, IA 52255

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,552 sqft · built 1976
Lot Size	0.253 acres (11,021 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,086 (2026)
Deeds & Mortgages	May 2020 Mortgage Dec 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`042008022290080`

Property Details

APN / Parcel Number

Primary APN	`042008022290080`
Alternative APN	`42004200802229008000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,552 sqft Living Area
Basement Area	716 sqft
Finished Basement	500 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,021 sqft (0.253 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	236 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	86 MAIN ST
City	LOWDEN
State	IA
Zip	52255-9594
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOWDEN DEVEL 1ST ADDLT 7
Legal Subdivision	LOWDEN DEV 1ST ADD
Jurisdiction	CEDAR IA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3002
Census Tract	450100

Owner

Source: Cedar 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	86 MAIN ST, LOWDEN, IA 52255-9594
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST TRUST & SAVINGS BANK
Dec 1, 2017	Deed of Trust, Mortgage · Closed-End Mortgage FIRST TRUST & SAVINGS BANK
May 28, 2021	Intrafamily Transfer, Transfer
Sep 21, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 26, 2021
Transfer Doc	001590/130
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	86 MAIN ST, LOWDEN, IA 52255-9594
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001523/331
Date	May 29, 2020
Book Page	1523/331
Instrument	2020 1621

Lender

Name	FIRST TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	86 MAIN ST, LOWDEN, IA 52255-9594
Transaction Type	Mortgage
Record Updated	Sep 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001392/313
Date	Dec 1, 2017
Book Page	1392/313
Instrument	2017 3854

Lender

Name	FIRST TRUST & SAVINGS BANK
Type	Bank
Address	WHEATLAND, IA 52777

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 20, 2022

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CEDAR IA
Recording Date	May 28, 2021
Property Address	86 MAIN ST, LOWDEN, IA 52255-9594
Document Number	001590/130
Book / Page	1590 / 130
Instrument Date	May 26, 2021
Instrument	2021 2036
Transaction Type	Transfer
Record Updated	Sep 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	86 MAIN ST, LOWDEN, IA 52255-9594

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CEDAR IA
Recording Date	Sep 21, 2017
Property Address	86 MAIN ST, LOWDEN, IA 52255-9594
Document Number	001383/115
Book / Page	1383 / 115
Instrument Date	Sep 7, 2017
Instrument	2017 3032
Transaction Type	Transfer
Record Updated	Sep 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 MAIN ST, LOWDEN, IA 52255-9594

Tax Assessment & Valuation

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	$3,086.00 Homeowner's exemption	$217,420 (-) Land $25,300 Building $192,120	$217,420 (-) Land $25,300 Building $192,120
2025	$3,086.00 (+2.39%) Homeowner's exemption	$217,420 (+16.29%) Land $25,300 Building $192,120	$217,420 (+16.29%) Land $25,300 Building $192,120
2024	$3,014.00 (+20.66%)
2023		$186,960 (+26.01%) Land $25,300 Building $161,660	$186,960 (+26.01%) Land $25,300 Building $161,660
2022	$2,498.00 Homeowner's exemption	$148,370 Land $20,700 Building $127,670
2021			$148,370 Land $20,700 Building $127,670

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 August 17, 2013 · 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	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

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	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	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 88 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

Cell Coverage

5G (outdoors only) and 4G LTE

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