Guthrie County property record for 109 E Clay St, Panora, IA 50216
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,120 sqft · built 1999 |
| Lot Size | 0.149 acres (6,488 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Jun 2019) |
| Tax Bill | $3,594 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Jun 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0001328000 |
| Primary APN | 0001328000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| Basement Area | 1,120 sqft |
| Finished Basement | 550 sqft |
| Unfinished Basement | 560 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,488 sqft (0.149 acres) |
| Lot Dimensions | 82 ft deep x 79 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 54 sqft |
| Deck Area | 224 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 109 E CLAY ST |
|---|---|
| City | PANORA |
| State | IA |
| Zip | 50216-1128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 1/2 OF LOT 4 NORTH ADD |
| Legal Subdivision | NORTH |
| Legal Lot Number | 4 |
| Jurisdiction | GUTHRIE IA |
| Township / Civil Division | CASS |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 950100 |
Source: Guthrie County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 740 NE DARTMOOR DR, WAUKEE, IA 50263-9802 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2017 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) FIRST CLASS COMMUNITY CREDIT UNION |
| Jun 12, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESERVICES LENDING LLC |
| Mar 20, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage PANORA STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2019 · Amount on Record |
| Deed Sale | Jun 12, 2019 · Amount on Record |
| Prior Sale | Mar 20, 2019 · Amount on Record |
| Deed Document Number | 20191900 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Property Address | 109 E CLAY ST, PANORA, IA 50216-1128 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/0070 |
|---|---|
| Date | Jan 19, 2017 |
| Book Page | 2017/0070 |
| Instrument | 2017-0070 |
| Name | FIRST CLASS COMMUNITY CREDIT UNION |
|---|---|
| Address | WEST DES MOINES, IA 50265 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Dec 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Recording Date | Jun 12, 2019 |
| Property Address | 109 E CLAY ST, PANORA, IA 50216-1128 |
| Document Number | 20191900 |
| Instrument Date | Jun 9, 2019 |
| Instrument | 2019-1900 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 740 NE DARTMOOR DR, WAUKEE, IA 50263-9802 |
| Investor | Possibly a Property Investor |
| Document Number | 0020191901 |
|---|---|
| Date | Jun 12, 2019 |
| Instrument | 2019-1901 |
| Name | HOMESERVICES LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Recording Date | Mar 20, 2019 |
| Property Address | 109 E CLAY ST, PANORA, IA 50216-1128 |
| Document Number | 20190931 |
| Instrument Date | Feb 19, 2019 |
| Instrument | 2019-0931 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4628 JEANIE LN, PANORA, IA 50216-8633 |
| Document Number | 20190932 |
|---|---|
| Date | Mar 20, 2019 |
| Instrument | 2019-0932 |
| Name | PANORA STATE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0020190931 |
|---|---|
| Date | Mar 20, 2019 |
| Instrument | 2019-0931 |
| Name | PANORA STATE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Guthrie County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Guthrie County |
| Municipality | Panora City |
| Unified School District | Panorama Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $217,500 (-) Land $16,200 Building $201,300 | $217,500 (-) Land $16,200 Building $201,300 | |
| 2025 | $3,594.00 (+8.98%) | $217,500 (+18.34%) Land $16,200 Building $201,300 | $217,500 (+18.34%) Land $16,200 Building $201,300 |
| 2024 | $3,298.00 (+0.43%) | ||
| 2023 | $183,800 (+25.8%) Land $11,400 Building $172,400 | $183,800 (+25.8%) Land $11,400 Building $172,400 | |
| 2022 | $3,284.00 | $146,100 Land $11,400 Building $134,700 | |
| 2021 | $146,100 Land $11,400 Building $134,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
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 | 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 |
| 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 86 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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