104 E Main St, Panora, IA 50216 Property Records

Guthrie County property record for 104 E Main St, Panora, IA 50216

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	5,440 sqft · built 1900
Lot Size	0.183 acres (7,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jan 2024)
Tax Bill	$7,928 (2025)
Deeds & Mortgages	Jan 2024 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0001305501`

Property Details

APN / Parcel Number

Primary APN	`0001305501`

Interior

Stories	1 Story
Building Area	5,440 sqft Gross Area
1st Floor Area	3,600 sqft
Basement Area	3,600 sqft
Overhead Door	Overhead Door

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Roof Material	Urethane Foam
Lot Area	7,971 sqft (0.183 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	104 E MAIN ST
City	PANORA
State	IA
Zip	50216
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	LOT 1 (EX W 19' 2 1/2" OF THE N 106'9" OF LOT 1 & EX E 13'10" OF THE E 1/2 OF LOT 1) BLK M
Legal Block	M
Legal Lot Number	1
Jurisdiction	GUTHRIE IA
Township / Civil Division	CASS
Census Block Group	3
Census Block	3051
Census Tract	950100

Owner

Source: Guthrie 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	2138 WILLOW AVE, PANORA, IA 50216-8520
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2024 · Amount on Record
Deed Sale	Jan 16, 2024 · Amount on Record
Deed Document Number	202483
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUTHRIE IA
Recording Date	Jan 16, 2024
Property Address	104 E MAIN ST, PANORA, IA 50216
Document Number	0020240083
Instrument Date	Jan 15, 2024
Instrument	2024-0083
Transaction Type	Transfer
Record Updated	Feb 19, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.20
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	2138 WILLOW AVE, PANORA, IA 50216-8520

Mortgage

Document Number	0020240085
Date	Jan 16, 2024
Instrument	2024-0085

Lender

Name	IOWA TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 12, 2029

Tax Assessment & Valuation

Source: Guthrie County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Guthrie County
Municipality	Panora City
Unified School District	Panorama Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$313,100 (-) Land $27,100 Building $286,000	$313,100 (-) Land $27,100 Building $286,000
2025	$7,928.00 (+23.22%)	$313,100 (+20.47%) Land $27,100 Building $286,000	$313,100 (+20.47%) Land $27,100 Building $286,000
2024	$6,434.00 (+28.89%)
2023		$259,900 Land $27,100 Building $232,800	$259,900 Land $27,100 Building $232,800
2022	$4,992.00

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 April 4, 2017 · 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	1 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2008 · Severe Storms, Tornadoes, And Flooding

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 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	LAKE PANORAMA WATER COMPANY private · serves 2,900 people · EPA ID IA3900301
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 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 262 locations within half a mile, as of December 31, 2025

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