4902 Cypress Ln, Panora, IA 50216 Property Records

Guthrie County property record for 4902 Cypress Ln, Panora, IA 50216

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,503 sqft · built 1986
Lot Size	1.76 acres (76,883 sqft)
Owner	2 Company Names on Record
Tax Bill	$10,678 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0001908300`

Property Details

APN / Parcel Number

Primary APN	`0001908300`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,503 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Finished Basement	500 sqft
Unfinished Basement	76 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Stone
Construction Type	Frame
Foundation Type	Block
Roof Material	Other
Lot Area	76,883 sqft (1.76 acres)
Lot Dimensions	305 ft deep x 130 ft wide
Garage Type	Mixed
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Deck Area	578 sqft
Patio Area	283 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Geothermal
Sewer	Septic

Location & Zoning

Street Address	4902 CYPRESS LN
City	PANORA
State	IA
Zip	50216-8623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1520 & PARCEL D IN PLAT 29 & & PAR D & H IN SW SW OF 19 80 30 & PAR A NW NW IN 30 80 30
Legal Range	30W
Legal Township	80N
Legal Section	19
Legal Subdivision	LAKE PANORAMA 29
Legal Lot Number	1520
Jurisdiction	GUTHRIE IA
Township / Civil Division	CASS
Census Block Group	2
Census Block	2056
Census Tract	950100

Owner

Source: Guthrie County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	4902 CYPRESS LN, PANORA, IA 50216-8623
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUTHRIE IA
Property Address	4902 CYPRESS LN, PANORA, IA 50216-8623
Transaction Type	Mortgage
Record Updated	Jul 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020213130
Date	Oct 4, 2021
Instrument	2021-3130

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUTHRIE IA
Property Address	4902 CYPRESS LN, PANORA, IA 50216-8623
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/2598
Date	Oct 30, 2017
Book Page	2017/2598
Instrument	2017-2598

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Guthrie County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Guthrie County
Unified School District	Panorama Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$961,900 (-) Land $344,200 Building $617,700	$961,900 (-) Land $344,200 Building $617,700
2025	$10,678.00 (-3.3%)	$961,900 (+5.17%) Land $344,200 Building $617,700	$961,900 (+5.17%) Land $344,200 Building $617,700
2024	$11,042.00 (+9.81%)
2023		$914,600 (+39.38%) Land $344,200 Building $570,400	$914,600 (+39.38%) Land $344,200 Building $570,400
2022	$10,056.00	$656,200 Land $229,500 Building $426,700
2021			$656,200 Land $229,500 Building $426,700

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2002)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2002 · rainfall accumulation

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 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.03% 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	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

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 38 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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