120 W Clay St, Letts, IA 52754 Property Records

Louisa County property record for 120 W Clay St, Letts, IA 52754

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,480 sqft · built 1900
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on File
Last Sale	$311,000 (Jul 2024)
Tax Bill	$922 (2026)
Deeds & Mortgages	Sep 2023 Mortgage May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-06-207-003`

Property Details

APN / Parcel Number

Primary APN	`04-06-207-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,480 sqft Living Area
1st Floor Area	684 sqft
Interior Walls	Unfinished

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Roof Type	Gable
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Deck Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	120 W CLAY ST
City	LETTS
State	IA
Zip	52754-9775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	06 75 3 LETTS L9 BLK11
Legal Range	03W
Legal Township	75N
Legal Section	06
Legal Block	11
Jurisdiction	LOUISA IA
Township / Civil Division	GRANDVIEW
Census Block Group	4
Census Block	4006
Census Tract	450100

Owner

120 W Clay St is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	120 W CLAY ST, LETTS, IA 52754-9775
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 11, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
May 18, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2024 · Amount on File
Deed Sale	Jul 9, 2024 · Amount on File
Prior Sale	Jun 19, 2024 · Amount on File
Deed Document Number	2024827
Prior Transfer Date	Jun 14, 2024
Prior Transfer Doc	0000000827
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA IA
Property Address	120 W CLAY ST, LETTS, IA 52754-9775
Transaction Type	Mortgage
Record Updated	Oct 23, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 W CLAY ST, LETTS, IA 52754-9775

Mortgage

Document Number	0020231113
Date	Sep 11, 2023
Instrument	2023-1113

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Aug 1, 2063

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA IA
Property Address	120 W CLAY ST, LETTS, IA 52754-9775
Transaction Type	Mortgage
Record Updated	Jun 16, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 W CLAY ST, LETTS, IA 52754-9775

Mortgage

Document Number	0020220857
Date	May 18, 2022
Instrument	2022-0857

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 120 W Clay St was $922 with a homeowner's exemption.

Source: Louisa County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Louisa County
Municipality	Letts City
Unified School District	Louisa-Muscatine Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$922.00	$90,070 (-) Land $9,240 Building $80,830	$90,070 (-) Land $9,240 Building $80,830
2025	$922.00 (+3.83%) Homeowner's exemption	$90,070 Land $9,240 Building $80,830	$90,070 Land $9,240 Building $80,830
2024	$888.00
2023		$81,890 (+23.7%) Land $9,240 Building $72,650	$81,890 Land $9,240 Building $72,650
2022	$978.00 Homeowner's exemption	$66,200 Land $9,240 Building $56,960
2021			$66,200 Land $9,240 Building $56,960

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 120 W Clay St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 15, 2015 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Jun 2014 · other causes

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 120 W Clay St 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL · Fixed Wireless	200 / 20
Verizon Fixed Wireless	25 / 6
Louisa Communications Fixed Wireless	25 / 3

May also be available: Nextlink, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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