108 E Main St, Panora, IA 50216 Property Records

Guthrie County property record for 108 E Main St, Panora, IA 50216

Property Summary

Property Type	Professional Building (Legal, Insurance, Real Estate, Business)
Details	1,144 sqft · built 1900
Lot Size	0.079 acres (3,454 sqft)
Owner	Company Name on Record
Tax Bill	$998 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0001305700`

Property Details

APN / Parcel Number

Primary APN	`0001305700`

Interior

Stories	1 Story
Building Area	1,144 sqft Gross Area
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Roof Material	Rolled Roofing
Lot Area	3,454 sqft (0.079 acres)
Lot Dimensions	157 ft deep x 22 ft wide
Porch	Slab
Porch Area	64 sqft
Deck Area	1 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	108 E MAIN ST
City	PANORA
State	IA
Zip	50216-1131
Property Category	Commercial
Property Type	Commercial > Office > Professional Building (Legal, Insurance, Real Estate, Business)
Legal Description	M E 13' 10" OF E 1/2 OF L1 & W 8' 2" OF L2 BLK M
Legal Block	M
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	Company Name on Record
Mailing Address	321 CENTRAL AVE, FORT DODGE, IA 50501-3735
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUTHRIE IA
Property Address	108 E MAIN ST, PANORA, IA 50216-1131
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020201865
Date	Jul 17, 2020
Instrument	2020-1865

Lender

Name	HEARTLAND BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 16, 2035

Interest

Rate Type	Fixed Rate

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		$60,400 (-) Land $11,600 Building $48,800	$60,400 (-) Land $11,600 Building $48,800
2025	$998.00 (+9.67%)	$60,400 (+19.13%) Land $11,600 Building $48,800	$60,400 (+19.13%) Land $11,600 Building $48,800
2024	$910.00
2023		$50,700 (+25.19%) Land $11,600 Building $39,100	$50,700 (+25.19%) Land $11,600 Building $39,100
2022	$910.00	$40,500 Land $10,100 Building $30,400
2021			$40,500 Land $10,100 Building $30,400

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