Clayton County property record for 523 Main St, Mc Gregor, IA 52157
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2.75 ba · 2,092 sqft · built 1900 |
| Lot Size | 0.116 acres (5,050 sqft) |
| Owner | Company Name on File |
| Last Sale | $122,000 (Oct 2026) |
| Tax Bill | $2,046 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Feb 2025 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 3427204014 |
| Primary APN | 3427204014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,092 sqft Total Area |
| 1st Floor Area | 908 sqft |
| Basement Area | 227 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Asbestos |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,050 sqft (0.116 acres) |
| Lot Dimensions | 101 ft deep x 50 ft wide |
| Garage Area | 560 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 248 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 523 MAIN ST |
|---|---|
| City | MC GREGOR |
| State | IA |
| Zip | 52157-8589 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | JMJ ADDN. LOT 14 BLK 12 |
| Legal Subdivision | JMJ ADD |
| Legal Block | 12 |
| Legal Lot Number | 14 |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | MENDON |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 70100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Effigy Mounds National Monument listed 1966 · 192 contributing resources · NRIS 66000109 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
523 Main St, a duplex, is owned by a company that bought it in October 2026 and is owner-occupied.
Source: Clayton County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 29848 BUCK CREEK RD, GARNAVILLO, IA 52049-8211 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 7, 2026 | Warranty Deed, Transfer · Conventional Mortgage PEOPLES STATE BANK |
| Feb 11, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MARINE CU |
| May 25, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MARINE CU |
| May 13, 2021 | Deed of Trust, Mortgage · Commercial Mortgage CENTRAL STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2026 · Amount on File |
| Deed Sale | Oct 7, 2026 · Amount on File |
| Prior Sale | Oct 20, 2014 · Amount on File |
| Deed Document Number | 20263042 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Oct 7, 2026 |
| Property Address | 523 MAIN ST, MC GREGOR, IA 52157-8589 |
| Document Number | 0000003042 |
| Instrument Date | Oct 7, 2026 |
| Instrument | 20263042 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $19,634.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 29848 BUCK CREEK RD, GARNAVILLO, IA 52049-8211 |
| Document Number | 0000003043, |
|---|---|
| Date | Oct 7, 2026 |
| Instrument | 20263043 |
| Name | PEOPLES STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 523 MAIN ST, MC GREGOR, IA 52157-8589 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2025R00369 |
|---|---|
| Date | Feb 11, 2025 |
| Instrument | 2025R00369 |
| Name | MARINE CU |
|---|---|
| Type | Credit Union |
| Address | LA CROSSE, WI 54601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 12.4% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 12.4% |
| Max Rate At Change | 14.4% |
| Max Rate | 18.4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 523 MAIN ST, MC GREGOR, IA 52157-8589 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023R01404 |
|---|---|
| Date | May 25, 2023 |
| Instrument | 2023R01404 |
| Name | MARINE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 523 MAIN ST, MC GREGOR, IA 52157-8589 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2021R01986 |
|---|---|
| Date | May 13, 2021 |
| Instrument | 2021R01986 |
| Name | CENTRAL STATE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 523 Main St was $2,046 with a homeowner's exemption, up 11.2% from the year before.
Source: Clayton County assessment roll, as of November 3, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clayton County |
| Municipality | McGregor City |
| Unified School District | MFL MarMac Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,046.00 (+11.2%) Homeowner's exemption | $130,644 Land $11,891 Building $118,753 | $130,644 Land $11,891 Building $118,753 |
| 2024 | $1,840.00 | ||
| 2023 | $109,862 Land $10,340 Building $99,522 | $109,862 Land $10,340 Building $99,522 | |
| 2022 | $1,810.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 523 Main St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 28, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 12 (1986–2023) |
| Claims Outside the SFHA | 6 of 12 |
| Most Recent Claim | Apr 2023 · Flooding |
| Claims by Event |
|
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 risk around 523 Main St is low, with 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 80% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | MCGREGOR WATER DEPT serves 747 people · EPA ID IA2258012 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 9 ppb (2024–2026) 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 238 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Alpine Communications Fiber | 500 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
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