964 Monroe Ave, Tipton, IA 52772 Property Records

Cedar County property record for 964 Monroe Ave, Tipton, IA 52772

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,155 sqft · built 1909
Lot Size	4.65 acres (202,554 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Jul 2022)
Tax Bill	$4,884 (2026)
Deeds & Mortgages	Mar 2019 Refinance Jun 2020 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`028007193000020`

Property Details

APN / Parcel Number

Primary APN	`028007193000020`
Alternative APN	`28002800719300002000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,155 sqft Living Area
Basement Area	1,064 sqft
Unfinished Basement	1,091 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Hip
Roof Material	Metal
Lot Area	202,554 sqft (4.65 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	927 sqft
Patio Area	64 sqft
Utility Building	1,200 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard

Location & Zoning

Street Address	964 MONROE AVE
City	TIPTON
State	IA
Zip	52772-9403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 FAY'S 1ST ADDNN1/2 SW
Legal Range	02W
Legal Township	81N
Legal Section	19
Legal Subdivision	FAYS FIRST ADD
Legal Lot Number	1
Jurisdiction	CEDAR IA
Township / Civil Division	RED OAK
Census Block Group	1
Census Block	1005
Census Tract	450300

Owner

964 Monroe Ave is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	964 MONROE AVE, TIPTON, IA 52772-9403
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LIBERTY TRUST & SAVINGS BANK
Jun 1, 2020	Deed of Trust, Mortgage · Line of Credit FIDELITY BANK & TRUST NA
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST NA
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST NA
Jul 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Jul 19, 2022	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2022 · Amount on File
Deed Sale	Jul 19, 2022 · Amount on File
Deed Document Number	20222436
Deed Book / Page	1658 / 293
Prior Transfer Date	Aug 4, 2021
Prior Transfer Doc	0000002994
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	964 MONROE AVE, TIPTON, IA 52772-9403
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001458/151
Date	Mar 25, 2019
Book Page	1458/151
Instrument	747

Lender

Name	LIBERTY TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	13 Months
Due	Apr 1, 2020

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	964 MONROE AVE, TIPTON, IA 52772-9403
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001524/159
Date	Jun 1, 2020
Book Page	1524/159
Instrument	2020 1619

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	964 MONROE AVE, TIPTON, IA 52772-9403
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00001596/3
Date	Jun 25, 2021
Book Page	1596/3
Instrument	2021 2454

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	964 MONROE AVE, TIPTON, IA 52772-9403
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001600/292
Date	Jul 21, 2021
Book Page	1600/292
Instrument	2021 2799

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 21, 2031

Interest

Rate Type	Fixed Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CEDAR IA
Property Address	964 MONROE AVE, TIPTON, IA 52772-9403
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001658/310
Date	Jul 19, 2022
Book Page	1658/310
Instrument	2022 2438

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 5, 2032

Interest

Rate Type	Fixed Rate

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CEDAR IA
Recording Date	Jul 19, 2022
Property Address	964 MONROE AVE, TIPTON, IA 52772-9403
Document Number	001658/293
Book / Page	1658 / 293
Map Reference	MB 1483 PG 50
Instrument Date	Jul 15, 2022
Instrument	2022 2436
Transaction Type	Transfer
Record Updated	Feb 19, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$479.20
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	964 MONROE AVE, TIPTON, IA 52772-9403

Mortgage

Document Number	001658/296
Date	Jul 19, 2022
Book Page	1658/296
Instrument	2022 2437

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 5, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.25%
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 964 Monroe Ave was $4,884 with a homeowner's exemption.

Source: Cedar County assessment roll, as of March 13, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Cedar County
Unified School District	Tipton Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,884.00 Homeowner's exemption	$447,180 (-) Land $96,500 Building $350,680	$447,180 (-) Land $96,500 Building $350,680
2025	$4,884.00 (+36.5%) Homeowner's exemption	$447,180 Land $96,500 Building $350,680	$447,180 Land $96,500 Building $350,680
2024	$3,578.00
2023		$145,130 (+34.24%) Land $82,600 Building $62,530	$145,130 Land $82,600 Building $62,530
2022	$1,238.00 Homeowner's exemption	$108,110 Land $52,880 Building $55,230
2021			$108,110 Land $52,880 Building $55,230

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 964 Monroe Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 17, 2013

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 964 Monroe Ave 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
Windstream DSL · Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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