Clay County property record for 208 E 1st St, Everly, IA 51338
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 720 sqft · built 1950 |
| Lot Size | 0.097 acres (4,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $59,900 (Aug 2018) |
| Tax Bill | $944 (2024) |
| Deeds & Mortgages | May 2010 Line of Credit Aug 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963803355008 |
| Primary APN | 963803355008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| Basement Area | 720 sqft |
| Finished Basement | 360 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Lot Area | 4,250 sqft (0.097 acres) |
| Lot Dimensions | 50 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 49096380335500800 |
|---|---|
| Street Address | 208 E 1ST ST |
| City | EVERLY |
| State | IA |
| Zip | 51338-7735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE FAMILY |
| Legal Description | E 85' 23-24 2 FRYDENBORGS ADD |
| Legal Range | 38 |
| Legal Township | 03 |
| Legal Section | 03 |
| Legal Subdivision | FRYDENBORG'S ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | LONE TREE |
| Census Block Group | 4 |
| Census Block | 4053 |
| Census Tract | 80400 |
Source: Clay County records · APN 963803355008
Assessment roll updated May 1, 2025 · Last verified October 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 File |
|---|---|
| Mailing Address | 208 E 1ST ST, EVERLY, IA 51338-7735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2010 | Deed of Trust, Mortgage · Line of Credit COMMUNITY STATE BANK |
| Aug 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BANK MIDWEST |
| May 20, 2013 | Deed of Trust, Mortgage · ARM NORTHWEST BANK |
| Aug 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BANK MIDWEST |
| Aug 29, 2008 | Trustee's Deed, Foreclosure · Line of Credit COMMUNITY SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 22, 2018 · Amount on Record |
| Deed Sale | Aug 22, 2018 · Amount on Record |
| Deed Document Number | 0020182352 |
| Prior Transfer Date | Aug 29, 2008 |
| Prior Transfer Doc | 2008 2532 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 208 E 1ST ST, EVERLY, IA 51338-7735 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02010/1193 |
|---|---|
| Date | May 18, 2010 |
| Book Page | 2010/1193 |
| Instrument | 2010 1193 |
| Name | COMMUNITY STATE BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 12, 2015 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 208 E 1ST ST, EVERLY, IA 51338-7735 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02017/2321 |
|---|---|
| Date | Aug 30, 2017 |
| Book Page | 2017/2321 |
| Instrument | 2017 2321 |
| Name | BANK MIDWEST |
|---|---|
| Type | Bank |
| Address | FAIRMONT, MN 56031 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 208 E 1ST ST, EVERLY, IA 51338-7735 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02013/1605 |
|---|---|
| Date | May 20, 2013 |
| Book Page | 2013/1605 |
| Instrument | 2013 1605 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Jun 01, 2016 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 208 E 1ST ST, EVERLY, IA 51338-7735 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/2321 |
|---|---|
| Date | Aug 30, 2017 |
| Book Page | 2017/2321 |
| Instrument | 2017 2321 |
| Name | BANK MIDWEST |
|---|---|
| Type | Bank |
| Address | FAIRMONT, MN 56031 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Aug 29, 2008 |
| Property Address | 208 E 1ST ST, EVERLY, IA 51338-7735 |
| Document Number | 02008/2532 |
| Book / Page | 2008 / 2532 |
| Instrument Date | Aug 22, 2008 |
| Instrument | 2008 2532 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $63.20 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 208 E 1ST ST, EVERLY, IA 51338-7735 |
| Document Number | 0020082534 |
|---|---|
| Date | Aug 29, 2008 |
| Instrument | 2008 2534 |
| Name | COMMUNITY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Sep 01, 2013 |
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Everly City |
| Unified School District | Clay Central-Everly Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $80,550 (+0.37%) Land $6,200 Building $74,350 | $80,550 (+0.37%) Land $6,200 Building $74,350 | |
| 2024 | $944.00 (+17.12%) | ||
| 2023 | $80,250 (+23.56%) Land $6,200 Building $74,050 | $80,250 (+23.56%) Land $6,200 Building $74,050 | |
| 2022 | $806.00 Homeowner's exemption | $64,950 Land $6,200 Building $58,750 | |
| 2021 | $64,950 Land $6,200 Building $58,750 |
Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190410804004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Wildfire Risk | Low lower than 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 168 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Evertek Enterprises Fiber | 1,000 / 1,000 |
| AMG Technology Investment Group Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | EVERLY WATER SUPPLY serves 575 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 8 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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