Guthrie County property record for 206 E Clay St, Panora, IA 50216
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 990 sqft · built 1920 |
| Lot Size | 0.282 acres (12,305 sqft) |
| Owner | Individual Name on File |
| Last Sale | $70,000 (Mar 2017) |
| Tax Bill | $1,728 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Apr 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0001311300 |
| Primary APN | 0001311300 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 990 sqft Living Area |
| 1st Floor Area | 336 sqft |
| Basement Area | 168 sqft |
| Unfinished Basement | 168 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,305 sqft (0.282 acres) |
| Lot Dimensions | 157 ft deep x 78 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 168 sqft |
| Deck Area | 224 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 206 E CLAY ST |
|---|---|
| City | PANORA |
| State | IA |
| Zip | 50216-1047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S LOT 2 BLK S |
| Legal Subdivision | ORIGINAL TOWN OF PANORA |
| Legal Block | S |
| Legal Lot Number | 2 |
| Jurisdiction | GUTHRIE IA |
| Township / Civil Division | CASS |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 950100 |
206 E Clay St is owned and occupied by an individual who bought it in March 2017.
Source: Guthrie County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 206 E CLAY ST, PANORA, IA 50216-1047 |
| 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 6, 2026 | Deed of Trust, Mortgage · Line of Credit GUTHRIE COUNTY STATE BANK |
| Apr 3, 2017 | Deed of Trust, Mortgage MICHELLE A BENNER |
| Mar 27, 2017 | Warranty Deed, Transfer · Closed-End Mortgage GUTHRIE COUNTY STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2017 · Amount on File |
| Deed Sale | Mar 27, 2017 · Amount on File |
| Prior Sale | Jun 13, 2012 · Amount on File |
| Deed Document Number | 2017714 |
| Deed Book / Page | 2017 / 714 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Recording Date | Jul 6, 2026 |
| Property Address | 206 E CLAY ST, PANORA, IA 50216-1047 |
| Document Number | 0000001684 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 20261684 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 206 E CLAY ST, PANORA, IA 50216-1047 |
| Document Number | 0000001684, |
|---|---|
| Date | Jul 6, 2026 |
| Instrument | 20261684 |
| Name | GUTHRIE COUNTY STATE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Property Address | 206 E CLAY ST, PANORA, IA 50216-1047 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02017/0777 |
|---|---|
| Date | Apr 3, 2017 |
| Book Page | 2017/0777 |
| Instrument | 2017-0777 |
| Name | MICHELLE A BENNER |
|---|---|
| Type | Private Party |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Recording Date | Mar 27, 2017 |
| Property Address | 206 E CLAY ST, PANORA, IA 50216-1047 |
| Document Number | 02017/0714 |
| Book / Page | 2017 / 0714 |
| Instrument | 2017-0714 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $111.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 206 E CLAY ST, PANORA, IA 50216-1047 |
| Document Number | 02017/0715 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | 2017/0715 |
| Instrument | 2017-0715 |
| Name | GUTHRIE COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Address | GUTHRIE CENTER, IA 50115 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 206 E Clay St was $1,728 with a homeowner's exemption, up 9.6% from the year before.
Source: Guthrie County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Guthrie County |
| Municipality | Panora City |
| Unified School District | Panorama Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $115,400 (-) Land $20,500 Building $94,900 | $115,400 (-) Land $20,500 Building $94,900 | |
| 2025 | $1,728.00 (+9.64%) Homeowner's exemption | $115,400 Land $20,500 Building $94,900 | $115,400 Land $20,500 Building $94,900 |
| 2024 | $1,576.00 | ||
| 2023 | $98,000 (+17.65%) Land $20,600 Building $77,400 | $98,000 Land $20,600 Building $77,400 | |
| 2022 | $1,672.00 Homeowner's exemption | $83,300 Land $20,600 Building $62,700 | |
| 2021 | $83,300 Land $20,600 Building $62,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 206 E Clay St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.
Source: FEMA National Flood Hazard Layer, effective April 4, 2017 · 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 | 1 in force |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2008 · 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 risk around 206 E Clay 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 | None beyond ember reach |
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 | LAKE PANORAMA WATER COMPANY private · serves 2,900 people · EPA ID IA3900301 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2022–2024) 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 86 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Panora Telecommunications Fiber | 1,000 / 300 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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