Guthrie County property record for 402 E Main St, Panora, IA 50216
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,478 sqft · built 1920 |
| Lot Size | 0.532 acres (23,166 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,160 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0001288500 |
| Primary APN | 0001288500 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,478 sqft Living Area |
| 1st Floor Area | 728 sqft |
| Basement Area | 728 sqft |
| Finished Basement | 300 sqft |
| Unfinished Basement | 428 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,166 sqft (0.532 acres) |
| Lot Dimensions | 265 ft deep x 87 ft wide |
| Garage Type | Detached |
| Garage Area | 1,416 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 260 sqft |
| Deck Area | 312 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 402 E MAIN ST |
|---|---|
| City | PANORA |
| State | IA |
| Zip | 50216-1122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 32 80 30 W 87.42' OF L 6 SE |
| Legal Range | 30W |
| Legal Township | 80N |
| Legal Section | 32 |
| Legal Subdivision | UNK |
| Jurisdiction | GUTHRIE IA |
| Township / Civil Division | CASS |
| Census Block Group | 3 |
| Census Block | 3046 |
| Census Tract | 950100 |
Source: Guthrie County assessment roll, as of October 7, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 402 E MAIN ST, PANORA, IA 50216-1122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2022 | Deed of Trust, Mortgage HUD |
| Jun 21, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD |
| Aug 3, 2017 | Warranty Deed, Transfer · FHA Mortgage LINCOLN SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Property Address | 402 E MAIN ST, PANORA, IA 50216-1122 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020220821 |
|---|---|
| Date | Mar 24, 2022 |
| Instrument | 2022-0821 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Property Address | 402 E MAIN ST, PANORA, IA 50216-1122 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0020211931 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 2021-1931 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Sep 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Recording Date | Aug 3, 2017 |
| Property Address | 402 E MAIN ST, PANORA, IA 50216-1122 |
| Document Number | 02017/1820 |
| Book / Page | 2017 / 1820 |
| Instrument Date | Aug 1, 2017 |
| Instrument | 2017-1820 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 402 E MAIN ST, PANORA, IA 50216-1122 |
| Document Number | 02017/1821 |
|---|---|
| Date | Aug 3, 2017 |
| Book Page | 2017/1821 |
| Instrument | 2017-1821 |
| Name | LINCOLN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | WATERLOO, IA 50701 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
Source: Guthrie County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Guthrie County |
| Municipality | Panora City |
| Unified School District | Panorama Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,160.00 | $224,200 (+27.31%) Land $26,100 Building $198,100 | $224,200 (+27.31%) Land $26,100 Building $198,100 |
| 2024 | $3,160.00 (-1.74%) | ||
| 2023 | $176,100 (+23.06%) Land $26,200 Building $149,900 | $176,100 (+23.06%) Land $26,200 Building $149,900 | |
| 2022 | $3,216.00 | $143,100 Land $26,200 Building $116,900 | |
| 2021 | $143,100 Land $26,200 Building $116,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 4, 2017 · 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 | 1 in force |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2008 · Severe Storms, Tornadoes, And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE PANORAMA WATER COMPANY private · serves 2,900 people · EPA ID IA3900301 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2022–2024) 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 98 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Panora Communications Cooperative Fiber | 1,000 / 300 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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