103 W 3rd St, Everly, IA 51338 Property Records

Clay County property record for 103 W 3rd St, Everly, IA 51338

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,299 sqft · built 1908
Lot Size	0.119 acres (5,200 sqft)
Owner	Individual Name on File
Last Sale	$36,000 (Jan 2012)
Tax Bill	$528 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963803308005`

Property Details

APN / Parcel Number

Primary APN	`963803308005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,299 sqft Living Area
1st Floor Area	896 sqft
Attic	Attic
Attic Area	403 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,200 sqft (0.119 acres)
Lot Dimensions	100 ft deep x 52 ft wide
Deck Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	103 W 3RD ST
City	EVERLY
State	IA
Zip	51338-7778
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	ALL EXC W 90' 19-20 3 O.P.
Legal Range	38W
Legal Township	96N
Legal Section	3
Legal Subdivision	ORIGINAL PLAT
Jurisdiction	CLAY IA
Township / Civil Division	LONE TREE
Census Block Group	4
Census Block	4044
Census Tract	80400

Owner

103 W 3rd St is owned and occupied by an individual who bought it in January 2012.

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

Owner of Record	Individual Name on File
Mailing Address	103 W 3RD ST, EVERLY, IA 51338-7778
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2012 · Amount on File
Deed Sale	Jan 20, 2012 · Amount on File
Deed Document Number	2012204
Deed Book / Page	2012 / 204
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	103 W 3RD ST, EVERLY, IA 51338-7778
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002024/490
Date	Mar 20, 2024
Book Page	2024/490
Instrument	2024 490

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 20, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 103 W 3rd St was $528 with a homeowner's exemption, down 6.4% from the year before.

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Municipality	Everly City
Unified School District	Clay Central-Everly Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$528.00 (-6.38%) Homeowner's exemption	$52,030 Land $6,860 Building $45,170	$52,030 Land $6,860 Building $45,170
2024	$564.00
2023		$52,030 (+23.32%) Land $6,860 Building $45,170	$52,030 Land $6,860 Building $45,170
2022	$478.00 Homeowner's exemption	$42,190 Land $6,860 Building $35,330
2021			$42,190 Land $6,860 Building $35,330

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 103 W 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · 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	2 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes

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

Wildfire risk around 103 W 3rd St 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 99.8% of the US · lower than 98.1% 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	EVERLY WATER SUPPLY serves 575 people · EPA ID IA2115029
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	8 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Evertek Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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