308 W 3rd St, Everly, IA 51338 Property Records

Clay County property record for 308 W 3rd St, Everly, IA 51338

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 848 sqft · built 1900
Lot Size	0.514 acres (22,400 sqft)
Owner	Individual Name on File
Last Sale	$61,000 (Jun 2022)
Tax Bill	$456 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963804431001`

Property Details

APN / Parcel Number

Primary APN	`963804431001`
Alternative APN	`49096380443100100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	848 sqft Living Area
1st Floor Area	308 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,400 sqft (0.514 acres)
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	308 W 3RD ST
City	EVERLY
State	IA
Zip	51338-7808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 AGRICU
Legal Description	7-8 3 R&S 1ST ADD N 82' 9-10 3 R & S 1ST ADD
Legal Range	38W
Legal Township	96N
Legal Section	4
Legal Subdivision	RUMSEY & SLEEPER 1ST
Jurisdiction	CLAY IA
Township / Civil Division	LONE TREE
Census Block Group	4
Census Block	4025
Census Tract	80400

Owner

308 W 3rd St is owned and occupied by an individual who bought it in June 2022.

Source: Clay County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	308 W 3RD ST, EVERLY, IA 51338-7808
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2022 · Amount on File
Deed Sale	Jun 2, 2022 · Amount on File
Deed Document Number	20221431
Deed Book / Page	2022 / 1431
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 2, 2022
Property Address	308 W 3RD ST, EVERLY, IA 51338-7808
Document Number	02022/1431
Book / Page	2022 / 1431
Instrument Date	May 23, 2022
Instrument	2022 1431
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 W 3RD ST, EVERLY, IA 51338-7808

Mortgage

Document Number	02022/1432
Date	Jun 2, 2022
Book Page	2022/1432
Instrument	2022 1432

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7%
Index	1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 308 W 3rd St was $456 with a homeowner's exemption, down 5.8% from the year before.

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$456.00 (-5.79%) Homeowner's exemption	$46,480 Land $10,010 Building $36,470	$46,480 Land $10,010 Building $36,470
2024	$484.00
2023		$46,210 (+193.4%) Land $10,010 Building $36,200	$46,210 Land $10,010 Building $36,200
2022	$98.00	$15,750 Land $10,010 Building $5,740
2021			$15,750 Land $10,010 Building $5,740

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 308 W 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 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

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

Wildfire risk around 308 W 3rd St is low, with less than 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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 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	EVERLY WATER SUPPLY serves 575 people · EPA ID IA2115029
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	8 ppb (2024–2026) 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Evertek Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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