119 Rays Ct, Manchester, IA 52057 Property Records

Delaware County property record for 119 Rays Ct, Manchester, IA 52057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,612 sqft · built 1994
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,722 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`630204002900`

Property Details

APN / Parcel Number

Primary APN	`630204002900`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,612 sqft Living Area
Basement Area	1,612 sqft
Finished Basement	1,350 sqft
Unfinished Basement	262 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Vinyl
Construction Type	Steel Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	86 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	16 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	119 RAYS CT
City	MANCHESTER
State	IA
Zip	52057-1063
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCHULTE'S FIRST ADD TO NORTHTOWN ESTATES SUB LT 17
Legal Range	05W
Legal Township	89N
Legal Section	20
Legal Subdivision	SCHULTE'S 1ST ADD TO NORTHTOWN ESTATES
Legal Lot Number	17
Jurisdiction	DELAWARE IA
Township / Civil Division	DELAWARE
Census Block Group	1
Census Block	1001
Census Tract	950300

Owner

119 Rays Ct is owned and occupied by two individuals.

Source: Delaware County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	119 RAYS CT, MANCHESTER, IA 52057-1063
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
Jun 21, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS STATE BANK
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK
Mar 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS STATE BANK
Oct 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS STATE BANK

Assessor's Deed Record

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

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IA
Property Address	119 RAYS CT, MANCHESTER, IA 52057-1063
Transaction Type	Mortgage
Record Updated	Jul 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1377
Date	Jun 21, 2023
Book Page	2023/1377
Instrument	23-1377

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 15, 2033

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IA
Property Address	119 RAYS CT, MANCHESTER, IA 52057-1063
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/3170
Date	Sep 16, 2020
Book Page	2020/3170
Instrument	2020 3170

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IA
Property Address	119 RAYS CT, MANCHESTER, IA 52057-1063
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/508
Date	Mar 8, 2019
Book Page	2019/508
Instrument	508

Lender

Name	CITIZENS STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2034

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IA
Property Address	119 RAYS CT, MANCHESTER, IA 52057-1063
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2851
Date	Oct 15, 2019
Book Page	2019/2851
Instrument	2851

Lender

Name	CITIZENS STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 119 Rays Ct was $4,722 with a homeowner's exemption, down 9.2% from the year before.

Source: Delaware County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Delaware County
Municipality	Manchester City
Unified School District	West Delaware County Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$294,900 (-) Land $39,100 Building $255,800	$294,900 (-) Land $39,100 Building $255,800
2025	$4,722.00 (-9.19%) Homeowner's exemption	$294,900 Land $39,100 Building $255,800	$294,900 Land $39,100 Building $255,800
2024	$5,200.00
2023		$295,400 (+27.44%) Land $39,100 Building $256,300	$295,400 Land $39,100 Building $256,300
2022	$4,614.00 Homeowner's exemption	$231,800 Land $30,400 Building $201,400
2021			$231,800 Land $30,400 Building $201,400

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

Flood

FEMA maps place 119 Rays Ct in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2007.

Source: FEMA National Flood Hazard Layer, effective March 7, 2022 · 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	9 in force
Nearby Flood Claims	11 (2007–2018)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2018 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 4 claims

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 119 Rays Ct 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 96% of the US · lower than 71% 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	MANCHESTER WATER SUPPLY serves 5,077 people · EPA ID IA2839021
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	4 ppb (2023–2025) 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comelec Internet Services Fiber · Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: Nextlink.

Nearby Properties on Rays Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures