Clayton County property record for 120 7th St, Mc Gregor, IA 52157
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,604 sqft · built 1900 |
| Lot Size | 0.287 acres (12,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,014 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Sep 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3427205002 |
| Primary APN | 3427205002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,604 sqft Living Area |
| 1st Floor Area | 670 sqft |
| Basement Area | 862 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,500 sqft (0.287 acres) |
| Lot Dimensions | 100 ft deep x 125 ft wide |
| Garage Type | Carport |
| Garage Area | 484 sqft |
| Carport | Carport |
| Carport Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 450 sqft |
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 120 7TH ST |
|---|---|
| City | MC GREGOR |
| State | IA |
| Zip | 52157-8554 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JMJ ADDN. 100 X 100 ADJ TO LOT 24 AND LO T 25 BLK 11 |
| Legal Subdivision | JMJ ADD |
| Legal Block | 11 |
| Legal Lot Number | 24,25 |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | MENDON |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 70100 |
120 7th St is owned and occupied by two individuals.
Source: Clayton County records, as of September 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 282, MC GREGOR, IA 52157-0282 |
| 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.
| Date | Document |
|---|---|
| Jul 2, 2026 | Deed of Trust, Mortgage · Line of Credit PEOPLES STATE BANK |
| Sep 25, 2023 | Deed of Trust, Mortgage · Line of Credit DUTRAC COMMUNITY CU |
| Feb 19, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance DUTRAC COMMUNITY CREDIT UNION |
| Apr 5, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Jul 2, 2026 |
| Property Address | 120 7TH ST, MC GREGOR, IA 52157-8554 |
| Document Number | 0000001893 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 20261893 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 120 7TH ST, MC GREGOR, IA 52157-8554 |
| Document Number | 0000001893, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 20261893 |
| Name | PEOPLES STATE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 21, 2036 |
| Rate | 6.75% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 120 7TH ST, MC GREGOR, IA 52157-8554 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 120 7TH ST, MC GREGOR, IA 52157-8554 |
| Document Number | 2023R02646 |
|---|---|
| Date | Sep 25, 2023 |
| Instrument | 2023R02646 |
| Name | DUTRAC COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52004 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 24, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 120 7TH ST, MC GREGOR, IA 52157-8554 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2019R00475 |
|---|---|
| Date | Feb 19, 2019 |
| Instrument | 2019R00475 |
| Name | DUTRAC COMMUNITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Apr 5, 2018 |
| Property Address | 120 7TH ST, MC GREGOR, IA 52157-8554 |
| Document Number | 2018R00941 |
| Instrument Date | Mar 26, 2018 |
| Instrument | 2018R00941 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 ANN ST, MC GREGOR, IA 52157-8500 |
The 2025 property tax bill for 120 7th St was $1,014 with a homeowner's exemption, up 12.7% from the year before.
Source: Clayton County assessment roll, as of November 3, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clayton County |
| Municipality | McGregor City |
| Unified School District | MFL MarMac Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,014.00 (+12.67%) Homeowner's exemption | $75,583 Land $20,215 Building $55,368 | $75,583 Land $20,215 Building $55,368 |
| 2024 | $900.00 | ||
| 2023 | $63,932 Land $17,578 Building $46,354 | $63,932 Land $17,578 Building $46,354 | |
| 2022 | $916.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 7th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 28, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 12 (1986–2023) |
| Claims Outside the SFHA | 6 of 12 |
| Most Recent Claim | Apr 2023 · Flooding |
| Claims by Event |
|
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 risk around 120 7th St is low, with 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 80% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | MCGREGOR WATER DEPT serves 747 people · EPA ID IA2258012 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 9 ppb (2024–2026) 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 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Alpine Communications Fiber | 500 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
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