303 Clay St, Malcom, IA 50157 Property Records

Poweshiek County property record for 303 Clay St, Malcom, IA 50157

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,056 sqft · built 1976
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$117,000 (Mar 2026)
Tax Bill	$1,280 (2025)
Deeds & Mortgages	Jun 2006 Second Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1313100`

Property Details

APN / Parcel Number

Primary APN	`1313100`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Basement Area	1,056 sqft
Finished Basement	1,056 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	50 sqft
Patio Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	303 CLAY ST
City	MALCOM
State	IA
Zip	50157-7702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WIGTONS E 50' LOTS 1 & 2 & S 1/2 EX W 90' LOT 3 BLOCK 19
Legal Subdivision	WIGTONS ADD
Legal Block	19
Legal Lot Number	1-3
Jurisdiction	POWESHIEK IA
Township / Civil Division	MALCOM
Census Block Group	2
Census Block	2041
Census Tract	370500

Owner

Source: Poweshiek County records, as of September 1, 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	303 CLAY ST, MALCOM, IA 50157-7702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2006	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOME LOAN CENTER INC
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Mar 31, 2026	Warranty Deed, Transfer · USDA Mortgage MLD MORTGAGE
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Deed Document Number	2026842
Record Updated	Oct 29, 2026

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POWESHIEK IA
Property Address	303 CLAY ST, MALCOM, IA 50157-7702
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00781/0414
Date	Jun 22, 2006
Book Page	0781/0414
Instrument	02489

Lender

Name	HOME LOAN CENTER INC
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2021

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POWESHIEK IA
Property Address	303 CLAY ST, MALCOM, IA 50157-7702
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202101511
Date	Apr 22, 2021
Instrument	2021-01511

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.88%
Index	1-Year CMT
Margin	5

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POWESHIEK IA
Recording Date	Mar 31, 2026
Property Address	303 CLAY ST, MALCOM, IA 50157-7702
Document Number	0202600842
Map Reference	MB C PG 631
Instrument Date	Mar 18, 2026
Instrument	2026-00842
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	SECURITY TITLE COMPANY, SECURITY FIRST TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$186.40
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	303 CLAY ST, MALCOM, IA 50157-7702

Mortgage

Document Number	0202600843
Date	Mar 31, 2026
Instrument	2026-00843

Lender

Name	MLD MORTGAGE
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POWESHIEK IA
Property Address	303 CLAY ST, MALCOM, IA 50157-7702
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202101511
Date	Apr 22, 2021
Instrument	2021-01511

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.88%
Index	1-Year CMT
Margin	5

Tax Assessment & Valuation

Source: Poweshiek County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Poweshiek County
Municipality	Malcom City
Unified School District	Brooklyn-Guernsey-Malcom Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,280.00 (-7.65%) Homeowner's exemption	$96,170 (-) Land $3,500 Building $92,670	$96,170 (-) Land $3,500 Building $92,670
2024	$1,386.00 (+13.42%)
2023		$96,170 Land $3,500 Building $92,670	$96,170 Land $3,500 Building $92,670
2022	$1,222.00

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 July 16, 2015

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 98% of the US · lower than 82% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MALCOM WATER SUPPLY serves 270 people · EPA ID IA7945018
Water Source	Purchased groundwater from POWESHIEK WATER ASSOCIATION
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL · Fixed Wireless in parts of the area	200 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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