104 Main St, Harper, IA 52231 Property Records

Keokuk County property record for 104 Main St, Harper, IA 52231

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,464 sqft · built 1962
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on File
Last Sale	$168,000 (Oct 2023)
Tax Bill	$1,680 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HRCOK-000300`

Property Details

APN / Parcel Number

Primary APN	`HRCOK-000300`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,464 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	882 sqft
Unfinished Basement	882 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Porch	Slab
Porch Area	55 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	104 MAIN ST
City	HARPER
State	IA
Zip	52231-8815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 12 & 13 BLK 13
Legal Subdivision	CITY OF HARPER
Legal Block	13
Legal Lot Number	12,13
Jurisdiction	KEOKUK IA
Township / Civil Division	LAFAYETTE
Census Block Group	2
Census Block	2097
Census Tract	80100

Owner

104 Main St is owned and occupied by two individuals who bought it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	104 MAIN ST, HARPER, IA 52231-8815
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
Oct 27, 2023	Warranty Deed, Transfer · Conventional Mortgage MIDWESTONE BANK
Nov 24, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 4, 2020	Warranty Deed, Transfer · VA Mortgage INLANTA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2023 · Amount on File
Deed Sale	Oct 27, 2023 · Amount on File
Prior Sale	Nov 24, 2021 · Amount on File
Deed Document Number	20231587
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEOKUK IA
Recording Date	Oct 27, 2023
Property Address	104 MAIN ST, HARPER, IA 52231-8815
Document Number	0020231587
Instrument Date	Oct 19, 2023
Instrument	2023-1587
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268.00
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	104 MAIN ST, HARPER, IA 52231-8815

Mortgage

Document Number	0020231588
Date	Oct 27, 2023
Instrument	2023-1588

Lender

Name	MIDWESTONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2038

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KEOKUK IA
Property Address	104 MAIN ST, HARPER, IA 52231-8815
Transaction Type	Mortgage
Record Updated	Mar 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020212290
Date	Nov 24, 2021
Instrument	2021-2290

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KEOKUK IA
Recording Date	Mar 4, 2020
Property Address	104 MAIN ST, HARPER, IA 52231-8815
Document Number	20200337
Instrument Date	Feb 18, 2020
Instrument	2020-0337
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
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

Mortgage

Document Number	20200338
Date	Mar 4, 2020
Instrument	2020-0338

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record

Mortgage

Document Number	0020200337
Date	Mar 4, 2020
Instrument	2020-0337

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 104 Main St was $1,680.

Source: Keokuk County assessment roll, as of October 9, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Keokuk County
Municipality	Harper City
Unified School District	Keota Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,680.00	$144,030 (-) Land $14,850 Building $129,180	$144,030 (-) Land $14,850 Building $129,180
2025		$144,030 Land $14,850 Building $129,180	$144,030 Land $14,850 Building $129,180
2024	$1,788.00
2023		$129,310 (+36.59%) Land $7,920 Building $121,390	$129,310 Land $7,920 Building $121,390
2022	$1,322.00 Homeowner's exemption	$94,670 Land $7,920 Building $86,750
2021			$94,670 Land $7,920 Building $86,750

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

Flood

FEMA maps place 104 Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 16, 2011

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 104 Main 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 97% of the US · lower than 76% 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	HARPER WATER SUPPLY serves 118 people · EPA ID IA5428031
Water Source	Purchased surface water from WAPELLO RURAL WATER ASSOC.
Last State Inspection	Oct 2024
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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL · Fixed Wireless	200 / 20

May also be available: Kalona Cooperative Telephone Company, Liberty Communications, Nextlink, T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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