Shelby County property record for 313 Main St, Panama, IA 51562
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,315 sqft · built 1917 |
| Lot Size | 0.663 acres (28,860 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,896 (2026) |
| Deeds & Mortgages | Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 832400009041 |
| Primary APN | 832400009041 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,315 sqft Living Area |
| 1st Floor Area | 910 sqft |
| Attic | Attic |
| Attic Area | 405 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1917 |
| Architectural Style | Cape Cod |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 28,860 sqft (0.663 acres) |
| Lot Dimensions | 92 ft deep x 5 ft wide |
| Garage Type | Detached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 128 sqft |
| Deck Area | 224 sqft |
| Patio Area | 304 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 313 MAIN ST |
|---|---|
| City | PANAMA |
| State | IA |
| Zip | 51562-5013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIGINAL TOWN W 5' OF N 92' OF LT 4 & ALL LTS 5-12 BLK 9 |
| Legal Subdivision | ORIGINAL TOWN OF PANAMA |
| Legal Block | 9 |
| Legal Lot Number | 4-12 |
| Jurisdiction | SHELBY IA |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 960200 |
313 Main St is owned and occupied by two individuals.
Source: Shelby County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 9, PANAMA, IA 51562-0009 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Survivor |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY IA |
| Property Address | 313 MAIN ST, PANAMA, IA 51562-5013 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20171275 |
|---|---|
| Date | Jul 5, 2017 |
| Instrument | 2017-1275 |
| Name | SHELBY COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Address | HARLAN, IA 51537 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 313 Main St was $1,896 with a homeowner's exemption.
Source: Shelby County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Shelby County |
| Municipality | Panama City |
| Unified School District | Harlan Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,896.00 | $141,370 (-) Land $24,137 Building $117,233 | $141,370 (-) Land $24,137 Building $117,233 |
| 2025 | $141,370 Land $24,137 Building $117,233 | $141,370 Land $24,137 Building $117,233 | |
| 2024 | $1,842.00 | ||
| 2023 | $125,886 (+37.1%) Land $24,137 Building $101,749 | $125,886 Land $24,137 Building $101,749 | |
| 2022 | $1,354.00 Homeowner's exemption | $91,820 Land $24,137 Building $67,683 | |
| 2021 | $91,820 Land $24,137 Building $67,683 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 313 Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 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 risk around 313 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 99.1% of the US · lower than 91% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PANAMA WATER WORKS serves 235 people · EPA ID IA8355025 |
|---|---|
| Water Source | Purchased groundwater from REGIONAL WATER |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (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, 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 135 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 800 / 400 |
| Farmers Mutual Cooperative Telephone Fiber | 400 / 100 |
| Windstream DSL | 200 / 20 |
5G (outdoors only) and 4G LTE
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