Clayton County property record for 525 Main St, Mc Gregor, IA 52157
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2.75 ba · 2,197 sqft · built 1889 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,206 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Mar 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 22-34-27-204-013 |
| Primary APN | 22-34-27-204-013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,197 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Basement Area | 1,240 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1889 |
|---|---|
| Effective Year Built | Effective 1889 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 356 sqft |
| Deck Area | Deck Area |
| Patio Area | 42 sqft |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Water Source | Commercial |
| Street Address | 525 MAIN ST |
|---|---|
| City | MC GREGOR |
| State | IA |
| Zip | 52157-8589 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | JMJ ADDN. LOT 13 BLK 12 |
| Legal Subdivision | JMJ ADD |
| Legal Block | 12 |
| Legal Lot Number | 13 |
| 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.
525 Main St, a duplex, is owned and occupied by an individual.
Source: Clayton County records, as of September 14, 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 | Individual Name on File |
|---|---|
| Mailing Address | 525 MAIN ST, MC GREGOR, IA 52157-8589 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
| Date | Document |
|---|---|
| Apr 3, 2023 | Deed of Trust, Mortgage · Line of Credit MARINE CU |
| Mar 31, 2017 | Deed of Trust, Mortgage · Line of Credit CENTRAL STATE BANK |
| Mar 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 525 MAIN ST, MC GREGOR, IA 52157-8589 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023R00874 |
|---|---|
| Date | Apr 3, 2023 |
| Instrument | 2023R00874 |
| Name | MARINE CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 525 MAIN ST, MC GREGOR, IA 52157-8589 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017R01003 |
|---|---|
| Date | Mar 31, 2017 |
| Instrument | 2017R01003 |
| Name | CENTRAL STATE BANK |
|---|---|
| Type | Bank |
| Address | MARQUETTE, IA 52158 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 525 MAIN ST, MC GREGOR, IA 52157-8589 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017R01002 |
|---|---|
| Date | Mar 31, 2017 |
| Instrument | 2017R01002 |
| Name | CENTRAL STATE BANK |
|---|---|
| Type | Bank |
| Address | MARQUETTE, IA 52158 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 525 Main St was $1,206 with a homeowner's exemption, up 13.3% 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 | $1,206.00 (+13.35%) Homeowner's exemption | $87,920 Land $11,891 Building $76,029 | $87,920 Land $11,891 Building $76,029 |
| 2024 | $1,064.00 | ||
| 2023 | $73,697 Land $10,340 Building $63,357 | $73,697 Land $10,340 Building $63,357 | |
| 2022 | $1,064.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 525 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 525 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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