12603 Iris Ave, Mc Gregor, IA 52157 Property Records

Clayton County property record for 12603 Iris Ave, Mc Gregor, IA 52157

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1977
Lot Size	3.25 acres (141,570 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,000 (Aug 2023)
Tax Bill	$2,754 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0399017003`

Property Details

APN / Parcel Number

Primary APN	`0399017003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Basement Area	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	141,570 sqft (3.25 acres)
Garage Type	Detached
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces
Deck Area	288 sqft
Patio Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	12603 IRIS AVE
City	MC GREGOR
State	IA
Zip	52157-8678
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT E. 1/4 LOT 17 N. & W. OF ROAD GLC 13 95 4
Legal Range	4W
Legal Township	95N
Legal Section	13
Legal Subdivision	BRAZIL GIARD CLAIM #1
Legal Lot Number	17
Jurisdiction	CLAYTON IA
Township / Civil Division	GIARD
Census Block Group	2
Census Block	2005
Census Tract	70100

Owner

Source: Clayton County records, as of September 14, 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	12603 IRIS AVE, MC GREGOR, IA 52157-8678
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Aug 17, 2023	Warranty Deed, Transfer · Conventional Mortgage DUPACO COMMUNITY CU
Jul 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2023 · Amount on Record
Deed Sale	Aug 17, 2023 · Amount on Record
Prior Sale	Nov 14, 2013 · Amount on Record
Deed Document Number	20232299
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON IA
Property Address	12603 IRIS AVE, MC GREGOR, IA 52157-8678
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R02702
Date	Sep 29, 2023
Instrument	2023R02702

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52001

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 28, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAYTON IA
Recording Date	Aug 17, 2023
Property Address	12603 IRIS AVE, MC GREGOR, IA 52157-8678
Document Number	2023R02299
Instrument Date	Aug 15, 2023
Instrument	2023R02299
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$429.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12603 IRIS AVE, MC GREGOR, IA 52157-8678

Mortgage

Document Number	2023R02301
Date	Aug 17, 2023
Instrument	2023R02301

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Sep 1, 2033
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year T-Bill
Max Rate	12.8%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON IA
Property Address	12603 IRIS AVE, MC GREGOR, IA 52157-8678
Transaction Type	Mortgage
Record Updated	Jul 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R02462
Date	Jul 5, 2022
Instrument	2022R02462

Lender

Name	FREEDOM BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 21, 2027

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clayton County assessment roll, as of November 3, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clayton County
Unified School District	MFL MarMac Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,754.00 (+10.87%) Homeowner's exemption	$258,988 (+18.31%) Land $58,938 Building $200,050	$258,988 (+18.31%) Land $58,938 Building $200,050
2024	$2,484.00 (+28.31%)
2023		$218,905 (+61.85%) Land $51,250 Building $167,655	$218,905 (+61.85%) Land $51,250 Building $167,655
2022	$1,936.00 (+10.63%) Homeowner's exemption	$135,255 Land $37,875 Building $97,380
2021	$1,750.00		$135,255 Land $37,875 Building $97,380

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Jun 2013 · 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.

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	0.02% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Alpine Communications Fiber	500 / 500

Cell Coverage

No cell data coverage reported

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