3575 140th Ave, Everly, IA 51338 Property Records

Clay County property record for 3575 140th Ave, Everly, IA 51338

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,580 sqft · built 1917
Lot Size	10.3 acres (451,282 sqft)
Owner	Individual Name on Record
Last Sale	$1,800,000 (Jan 2008)
Tax Bill	$2,520 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963815400010`

Property Details

APN / Parcel Number

Primary APN	`963815400010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,580 sqft Living Area
1st Floor Area	900 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	451,282 sqft (10.3 acres)
Garage Type	Attached
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Shed	1 Shed
Silo	Silo

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3575 140TH AVE
City	EVERLY
State	IA
Zip	51338-7565
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A-1 AGRICU
Legal Description	10.36 AC TR SE SE
Legal Range	38W
Legal Township	96N
Legal Section	15
Jurisdiction	CLAY IA
Township / Civil Division	LONE TREE
Census Block Group	4
Census Block	4071
Census Tract	80400

Owner

Source: Clay 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	Individual Name on Record
Mailing Address	3575 140TH AVE, EVERLY, IA 51338-7565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FARMERS TRUST & SAVINGS BANK
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK MIDWEST NA
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK MIDWEST NA
Nov 12, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK MIDWEST NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2008 · Amount on Record
Deed Sale	Jan 23, 2008 · Amount on Record
Deed Document Number	2008224
Deed Book / Page	2008 / 224
Last Transfer Date	Jul 24, 2009
Transfer Doc	02009/2574
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3575 140TH AVE, EVERLY, IA 51338-7565
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002026/518
Date	Mar 3, 2026
Book Page	2026/518
Instrument	2026 518

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3575 140TH AVE, EVERLY, IA 51338-7565
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3530
Date	Nov 12, 2021
Book Page	2021/3530
Instrument	2021 3530

Lender

Name	BANK MIDWEST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 5, 2031

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	3575 140TH AVE, EVERLY, IA 51338-7565
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/498
Date	Feb 24, 2022
Book Page	2022/498
Instrument	2022 498

Lender

Name	BANK MIDWEST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 9, 2032

Interest

Rate Type	Fixed Rate

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 12, 2021
Property Address	3575 140TH AVE, EVERLY, IA 51338-7565
Document Number	02021/3528
Book / Page	2021 / 3528
Map Reference	DOC 2007-3506
Instrument Date	Nov 4, 2021
Instrument	2021 3528
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$799.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3575 140TH AVE, EVERLY, IA 51338-7565

Mortgage

Document Number	02021/3529
Date	Nov 12, 2021
Book Page	2021/3529
Instrument	2021 3529

Lender

Name	BANK MIDWEST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2031
Change Frequency	Annually
Min Rate At Change	4.1%
Max Rate At Change	6.1%
Index	1-Year CMT

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,520.00 (+3.03%) Homeowner's exemption	$276,130 (+9.4%) Land $16,980 Building $259,150	$276,130 (+9.4%) Land $16,980 Building $259,150
2024	$2,446.00 (+5.52%)
2023		$252,400 (+20.41%) Land $12,490 Building $239,910	$252,400 (+20.41%) Land $12,490 Building $239,910
2022	$2,318.00 Homeowner's exemption	$209,620 Land $9,960 Building $199,660
2021			$209,620 Land $9,960 Building $199,660

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

Flood

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

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Evertek Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

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