105 N Ocheyedan St, Everly, IA 51338 Property Records

Clay County property record for 105 N Ocheyedan St, Everly, IA 51338

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,209 sqft · built 1900
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Tax Bill	$898 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963804477005`

Property Details

APN / Parcel Number

Primary APN	`963804477005`
Alternative APN	`49096380447700500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,209 sqft Living Area
1st Floor Area	780 sqft
Attic	Attic
Attic Area	429 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.52 acres)
Lot Dimensions	108 ft deep x 189 ft wide
Garage Type	Detached
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	218 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	105 N OCHEYEDAN ST
City	EVERLY
State	IA
Zip	51338-7792
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	TR APPROX. 189.7' X 108' S SE 4-96-38
Legal Range	38W
Legal Township	96N
Legal Section	4
Legal Subdivision	L & I
Jurisdiction	CLAY IA
Township / Civil Division	LONE TREE
Census Block Group	4
Census Block	4024
Census Tract	80400

Owner

105 N Ocheyedan St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	105 N OCHEYEDAN ST, EVERLY, IA 51338-7792
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
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jun 20, 2017	Deed of Trust, Mortgage NORTHWEST BANK
Jun 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	105 N OCHEYEDAN ST, EVERLY, IA 51338-7792
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1188
Date	Apr 19, 2021
Book Page	2021/1188
Instrument	2021 1188

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	105 N OCHEYEDAN ST, EVERLY, IA 51338-7792
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1581
Date	Jun 20, 2017
Book Page	2017/1581
Instrument	1581

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jun 16, 2027

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	105 N OCHEYEDAN ST, EVERLY, IA 51338-7792
Transaction Type	Mortgage
Record Updated	Jul 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1568
Date	Jun 19, 2019
Book Page	2019/1568
Instrument	1568

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 105 N Ocheyedan St was $898 with a homeowner's exemption, down 6.3% 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	$898.00 (-6.26%) Homeowner's exemption	$80,920 Land $16,640 Building $64,280	$80,920 Land $16,640 Building $64,280
2024	$958.00
2023		$81,250 (+20.64%) Land $16,640 Building $64,610	$81,250 Land $16,640 Building $64,610
2022	$840.00 Homeowner's exemption	$67,350 Land $16,640 Building $50,710
2021			$67,350 Land $16,640 Building $50,710

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

Flood

FEMA maps place 105 N Ocheyedan 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 105 N Ocheyedan 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	None beyond 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	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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