1645 400th St, Royal, IA 51357 Property Records

Clay County property record for 1645 400th St, Royal, IA 51357

Property Summary

Property Type	Rural Home
Details	5 bd · 4 ba · 2,332 sqft · built 1930
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on Record
Tax Bill	$2,340 (2024)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`953707100002`

Property Details

APN / Parcel Number

Primary APN	`953707100002`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,332 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,324 sqft
Finished Basement	325 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Architectural Style	Colonial
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	1,742,400 sqft (40 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	1645 400TH ST
City	ROYAL
State	IA
Zip	51357-7543
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A-1 AGRICULTURAL
Legal Description	NE NW
Jurisdiction	CLAY IA
Township / Civil Division	LINCOLN
Census Block Group	3
Census Block	3032
Census Tract	80400

Owner

Source: Clay County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1645 400TH ST, ROYAL, IA 51357-7543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2020	Deed of Trust, Mortgage · Commercial Mortgage HOME STATE BANK
Apr 30, 2020	Deed of Trust, Mortgage · Commercial Mortgage HOME STATE BANK
Apr 28, 2020	Deed of Trust, Mortgage · Commercial Mortgage HOME STATE BANK
Apr 28, 2020	Deed of Trust, Mortgage · Commercial Mortgage HOME STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2018
Deed Sale	Sep 13, 2018
Deed Document Number	0020182425
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1645 400TH ST, ROYAL, IA 51357-7543
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1048
Date	Apr 28, 2020
Book Page	2020/1048
Instrument	2020 1048

Lender

Name	HOME STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 24, 2030

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1645 400TH ST, ROYAL, IA 51357-7543
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1109
Date	Apr 30, 2020
Book Page	2020/1109
Instrument	2020 1109

Lender

Name	HOME STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2050

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1645 400TH ST, ROYAL, IA 51357-7543
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1053
Date	Apr 28, 2020
Book Page	2020/1053
Instrument	2020 1053

Lender

Name	HOME STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2050

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1645 400TH ST, ROYAL, IA 51357-7543
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1058
Date	Apr 28, 2020
Book Page	2020/1058
Instrument	2020 1058

Lender

Name	HOME STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Unified School District	Clay Central-Everly Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$234,580 (+18.06%) Land $100,760 Building $133,820	$234,580 (+18.06%) Land $100,760 Building $133,820
2024	$2,340.00 (+3.91%)
2023		$198,700 (+23.31%) Land $73,180 Building $125,520	$198,700 (+23.31%) Land $73,180 Building $125,520
2022	$2,252.00 Homeowner's exemption Additional exemption filed	$161,140 Land $58,700 Building $102,440
2021			$161,140 Land $58,700 Building $102,440

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 February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 91% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Royal Telephone Company Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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