Guthrie County property record for 117 E Clay St, Panora, IA 50216
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,555 sqft · built 1900 |
| Lot Size | 0.334 acres (14,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $223,000 (Dec 2024) |
| Tax Bill | $3,432 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0001327800 |
| Primary APN | 0001327800 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,555 sqft Living Area |
| 1st Floor Area | 744 sqft |
| Basement Area | 558 sqft |
| Unfinished Basement | 532 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,534 sqft (0.334 acres) |
| Lot Dimensions | 82 ft deep x 158 ft wide |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 68 sqft |
| Deck Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 117 E CLAY ST |
|---|---|
| City | PANORA |
| State | IA |
| Zip | 50216-1128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 NORTH ADD |
| Legal Subdivision | NORTH |
| Legal Lot Number | 3 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 117 E CLAY ST, PANORA, IA 50216-1128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 17, 2020 | Deed of Trust, Mortgage · Stand-Alone First Mortgage DEERE EMPLOYEES CREDIT UNION |
| Feb 17, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage DEERE EMPLOYEES CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2024 · Amount on Record |
| Deed Sale | Dec 10, 2024 · Amount on Record |
| Prior Sale | Feb 17, 2020 · Amount on Record |
| Deed Document Number | 20242767 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Property Address | 117 E CLAY ST, PANORA, IA 50216-1128 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0020200333 |
|---|---|
| Date | Feb 17, 2020 |
| Instrument | 2020-0333 |
| Name | DEERE EMPLOYEES CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Mar 1, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Recording Date | Feb 17, 2020 |
| Property Address | 117 E CLAY ST, PANORA, IA 50216-1128 |
| Document Number | 20200331 |
| Instrument Date | Feb 13, 2020 |
| Instrument | 2020-0331 |
| 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 | 117 E CLAY ST, PANORA, IA 50216-1128 |
| Investor | Possibly a Property Investor |
| Document Number | 20200332 |
|---|---|
| Date | Feb 17, 2020 |
| Instrument | 2020-0332 |
| Name | DEERE EMPLOYEES CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.8% |
| Type Change Date | Mar 1, 2025 |
| Max Rate At Change | 2.7% |
| Index | 1-Year CMT |
| Document Number | 0020200331 |
|---|---|
| Date | Feb 17, 2020 |
| Instrument | 2020-0331 |
| Name | DEERE EMPLOYEES CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.8% |
| Type Change Date | Mar 1, 2025 |
| Index | 1-Year CMT |
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 | $207,600 (-) Land $22,300 Building $185,300 | $207,600 (-) Land $22,300 Building $185,300 | |
| 2025 | $3,432.00 (+26.36%) Homeowner's exemption | $207,600 (+28.47%) Land $22,300 Building $185,300 | $207,600 (+28.47%) Land $22,300 Building $185,300 |
| 2024 | $2,716.00 (-1.45%) | ||
| 2023 | $161,600 (+22.89%) Land $15,900 Building $145,700 | $161,600 (+22.89%) Land $15,900 Building $145,700 | |
| 2022 | $2,756.00 Homeowner's exemption | $131,500 Land $15,900 Building $115,600 | |
| 2021 | $131,500 Land $15,900 Building $115,600 |
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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