Delaware County property record for 104 Rays Ct, Manchester, IA 52057
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 1,556 sqft · built 1993 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,724 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 630204002000 |
| Primary APN | 630204002000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,556 sqft Living Area |
| Basement Area | 1,556 sqft |
| Finished Basement | 1,250 sqft |
| Unfinished Basement | 306 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Dimensions | 80 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 584 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | 196 sqft |
| Patio Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 104 RAYS CT |
|---|---|
| City | MANCHESTER |
| State | IA |
| Zip | 52057-1063 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SCHULTE'S FIRST ADD TO NORTHTOWN ESTATES SUB LT 8 EX W 17 1/2' & W 22 1/2' LT 9 |
| Legal Range | 05W |
| Legal Township | 89N |
| Legal Section | 20 |
| Legal Subdivision | SCHULTE'S 1ST ADD TO NORTHTOWN ESTATES |
| Legal Lot Number | 8,9 |
| Jurisdiction | DELAWARE IA |
| Township / Civil Division | DELAWARE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 950300 |
104 Rays Ct is owned and occupied by two individuals.
Source: Delaware County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 RAYS CT, MANCHESTER, IA 52057-1063 |
| 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.
| Date | Document |
|---|---|
| Sep 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage DUPACO CU |
| Sep 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IA |
| Property Address | 104 RAYS CT, MANCHESTER, IA 52057-1063 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/2794 |
|---|---|
| Date | Sep 16, 2022 |
| Book Page | 2022/2794 |
| Instrument | 22-2794 |
| Name | DUPACO CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 15, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IA |
| Property Address | 104 RAYS CT, MANCHESTER, IA 52057-1063 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/3112 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 2020/3112 |
| Instrument | 2020 3112 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2035 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 104 Rays Ct was $4,724 with a homeowner's exemption, down 8.1% from the year before.
Source: Delaware County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Delaware County |
| Municipality | Manchester City |
| Unified School District | West Delaware County Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $304,000 (-) Land $39,700 Building $264,300 | $304,000 (-) Land $39,700 Building $264,300 | |
| 2025 | $4,724.00 (-8.09%) Homeowner's exemption | $304,000 Land $39,700 Building $264,300 | $304,000 Land $39,700 Building $264,300 |
| 2024 | $5,140.00 | ||
| 2023 | $300,600 (+27.37%) Land $39,700 Building $260,900 | $300,600 Land $39,700 Building $260,900 | |
| 2022 | $4,630.00 Homeowner's exemption | $236,000 Land $30,900 Building $205,100 | |
| 2021 | $236,000 Land $30,900 Building $205,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Rays Ct in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2007.
Source: FEMA National Flood Hazard Layer, effective March 7, 2022 · 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 | 9 in force |
| Nearby Flood Claims | 11 (2007–2018) |
| Claims Outside the SFHA | 4 of 11 |
| Most Recent Claim | Oct 2018 · rainfall accumulation |
| Claims by Event |
|
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 risk around 104 Rays Ct 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 96% of the US · lower than 71% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MANCHESTER WATER SUPPLY serves 5,077 people · EPA ID IA2839021 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Comelec Internet Services Fiber · Fixed Wireless | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
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