312 N Main St, Everly, IA 51338 Property Records

Clay County property record for 312 N Main St, Everly, IA 51338

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 5,348 sqft · built 1948
Lot Size	0.323 acres (14,058 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,938 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Apr 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963803309014`

Property Details

APN / Parcel Number

Primary APN	`963803309014`
Alternative APN	`49096380330901400`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	5,348 sqft Living Area
1st Floor Area	2,970 sqft
Flooring	Concrete/Cement
Overhead Door	Overhead Door

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Tar & Gravel
Lot Area	14,058 sqft (0.323 acres)
Lot Dimensions	54 ft deep x 12 ft wide
Garage Type	Attached
Garage Area	6,702 sqft
Parking Spaces	23 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	312 N MAIN ST
City	EVERLY
State	IA
Zip	51338-7731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	G-1 GENERA
Legal Description	1-4 2 O.P. & TR 12' X 54.6' ST ROW
Legal Range	38W
Legal Township	96N
Legal Section	3
Legal Subdivision	ORIGINAL PLAT
Jurisdiction	CLAY IA
Township / Civil Division	LONE TREE
Census Block Group	4
Census Block	4043
Census Tract	80400

Owner

312 N Main St, a single family home, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	511 W 3RD ST, SPENCER, IA 51301-3302
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

Date	Document
Jun 5, 2018	Deed of Trust, Mortgage STATE BANK
Apr 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
Jul 8, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	312 N MAIN ST, EVERLY, IA 51338-7731
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001494
Date	Jun 5, 2018
Book Page	0000002018/0000001494
Instrument	000000001494

Lender

Name	STATE BANK
Type	Bank

Agreement

Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	312 N MAIN ST, EVERLY, IA 51338-7731
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002019/786
Date	Apr 4, 2019
Book Page	2019/786
Instrument	786

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 8, 2019
Property Address	312 N MAIN ST, EVERLY, IA 51338-7731
Document Number	02019/1732
Book / Page	2019 / 1732
Instrument Date	Jun 11, 2019
Instrument	1732
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 W 3RD ST, SPENCER, IA 51301-3302

Mortgage

Document Number	02019/1733
Date	Jul 8, 2019
Book Page	2019/1733
Instrument	1733

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 312 N Main St was $1,938, down 11.9% 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	$1,938.00 (-11.91%)	$151,100 Land $10,430 Building $140,670	$151,100 Land $10,430 Building $140,670
2024	$2,200.00
2023		$157,000 (+19.98%) Land $10,430 Building $146,570	$157,000 Land $10,430 Building $146,570
2022	$1,880.00	$130,860 Land $10,430 Building $120,430
2021			$130,860 Land $10,430 Building $120,430

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 312 N Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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
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 312 N Main 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 99.8% of the US · lower than 98.1% 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.

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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