509 Clay St, Malcom, IA 50157 Property Records

Poweshiek County property record for 509 Clay St, Malcom, IA 50157

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,749 sqft · built 1900
Lot Size	0.386 acres (16,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$109,000 (Jan 2020)
Tax Bill	$1,656 (2025)
Deeds & Mortgages	May 2017 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1318900`

Property Details

APN / Parcel Number

Primary APN	`1318900`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,749 sqft Living Area
1st Floor Area	728 sqft
Basement Area	1,021 sqft
Unfinished Basement	728 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,800 sqft (0.386 acres)
Lot Dimensions	140 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Deck Area	658 sqft
Patio Area	658 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water

Location & Zoning

Street Address	509 CLAY ST
City	MALCOM
State	IA
Zip	50157-5018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH MALCOM LOTS 4 & 5 BLOCK 2
Legal Subdivision	NORTH MALCOM
Legal Block	2
Legal Lot Number	4,5
Jurisdiction	POWESHIEK IA
Township / Civil Division	MALCOM
Census Block Group	2
Census Block	2028
Census Tract	370500

Owner

Source: Poweshiek County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	509 CLAY ST, MALCOM, IA 50157-5018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRST STATE BANK
Jan 7, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2020 · Amount on Record
Deed Sale	Jan 7, 2020 · Amount on Record
Deed Document Number	202020-00052
Prior Transfer Date	Dec 30, 2019
Prior Transfer Doc	0002000052
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POWESHIEK IA
Property Address	509 CLAY ST, MALCOM, IA 50157-5018
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201701410
Date	May 2, 2017
Instrument	2017-01410

Lender

Name	FIRST STATE BANK
Type	Bank
Address	LYNNVILLE, IA 50153

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POWESHIEK IA
Recording Date	Jan 7, 2020
Property Address	509 CLAY ST, MALCOM, IA 50157-5018
Document Number	20202000052
Instrument Date	Dec 30, 2019
Instrument	202020-00052
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 CLAY ST, MALCOM, IA 50157-5018

Mortgage

Document Number	20202000053
Date	Jan 7, 2020
Instrument	202020-00053

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Poweshiek County
Municipality	Malcom City
Unified School District	Brooklyn-Guernsey-Malcom Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,656.00 Homeowner's exemption	$112,930 (-) Land $8,230 Building $104,700	$112,930 (-) Land $8,230 Building $104,700
2024	$1,656.00 (+19.48%)
2023		$112,930 Land $8,230 Building $104,700	$112,930 Land $8,230 Building $104,700
2022	$1,386.00

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 July 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MALCOM WATER SUPPLY serves 270 people · EPA ID IA7945018
Water Source	Purchased groundwater from POWESHIEK WATER ASSOCIATION
Last State Inspection	Jan 2026
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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL · Fixed Wireless in parts of the area	200 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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