108 N Main St, Everly, IA 51338 Property Records

Clay County property record for 108 N Main St, Everly, IA 51338

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,462 sqft · built 1910
Lot Size	0.326 acres (14,200 sqft)
Owner	Individual Name on Record
Last Sale	$45,000 (Mar 2021)
Tax Bill	$744 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963803352003`

Property Details

APN / Parcel Number

Primary APN	`963803352003`
Alternative APN	`49096380335200300`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,462 sqft Living Area
1st Floor Area	648 sqft
Basement Area	648 sqft
Unfinished Basement	648 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,200 sqft (0.326 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	108 N MAIN ST
City	EVERLY
State	IA
Zip	51338-7763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	5-6-7-8 8 O.P.
Legal Range	38W
Legal Township	96N
Legal Section	3
Legal Subdivision	ORIGINAL PLAT
Jurisdiction	CLAY IA
Township / Civil Division	LONE TREE
Census Block Group	4
Census Block	4051
Census Tract	80400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	108 N MAIN ST, EVERLY, IA 51338-7763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Prior Sale	Apr 25, 2011 · Amount on Record
Deed Document Number	2021918
Deed Book / Page	2021 / 918
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 24, 2021
Property Address	108 N MAIN ST, EVERLY, IA 51338-7763
Document Number	002021/918
Book / Page	2021 / 918
Instrument Date	Feb 27, 2021
Instrument	2021 918
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$71.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 N MAIN ST, EVERLY, IA 51338-7763

Mortgage

Document Number	002021/919
Date	Mar 24, 2021
Book Page	2021/919
Instrument	2021 919

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$744.00 (-6.06%) Homeowner's exemption	$68,900 (-0.23%) Land $15,000 Building $53,900	$68,900 (-0.23%) Land $15,000 Building $53,900
2024	$792.00 (+13.79%)
2023		$69,060 (+20.57%) Land $15,000 Building $54,060	$69,060 (+20.57%) Land $15,000 Building $54,060
2022	$696.00 Homeowner's exemption	$57,280 Land $15,000 Building $42,280
2021			$57,280 Land $15,000 Building $42,280

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 82% 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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Evertek Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20