615 3rd Ave N, Clear Lake, IA 50428 Property Records

Cerro Gordo County property record for 615 3rd Ave N, Clear Lake, IA 50428

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,514 sqft · built 1900
Lot Size	0.167 acres (7,275 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jul 2024)
Tax Bill	$3,200 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051323400300`

Property Details

APN / Parcel Number

Primary APN	`051323400300`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,514 sqft Living Area
1st Floor Area	528 sqft
Basement Area	816 sqft
Finished Basement	400 sqft
Unfinished Basement	416 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Contemporary
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,275 sqft (0.167 acres)
Lot Dimensions	132 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	990 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	176 sqft
Deck Area	207 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	615 3RD AVE N
City	CLEAR LAKE
State	IA
Zip	50428-1605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 1 WINNIES SUB L'S 1-2-3-4 & N 49.5' L 5 BLK 37 M & E A TUTTLES 2ND ADD
Legal Range	22W
Legal Township	96N
Legal Section	13
Legal Subdivision	M & E A TUTTLES 2ND ADD
Legal Block	37
Legal Lot Number	1-5
Jurisdiction	CERRO GORDO IA
Township / Civil Division	CLEAR LAKE
Census Block Group	4
Census Block	4053
Census Tract	950800

Owner

Source: Cerro Gordo County records, as of May 27, 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 Individual Names on Record
Mailing Address	615 3RD AVE N, CLEAR LAKE, IA 50428-1605
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2024	Warranty Deed, Transfer · Conventional Mortgage CLEAR LAKE BANK AND TRUST CO
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage CLEAR LAKE BANK & TRUST CO
Aug 2, 2017	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NORTH IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2024 · Amount on Record
Deed Sale	Jul 19, 2024 · Amount on Record
Prior Sale	Apr 29, 2022 · Amount on Record
Deed Document Number	20243273
Record Updated	Sep 20, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CERRO GORDO IA
Recording Date	Jul 19, 2024
Property Address	615 3RD AVE N, CLEAR LAKE, IA 50428-1605
Document Number	02024/3273
Book / Page	2024 / 3273
Instrument Date	Feb 18, 2024
Instrument	2024-3273
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$423.20
Amount Accuracy	Rounded by County
Additional	Arm's Length Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	615 3RD AVE N, CLEAR LAKE, IA 50428-1605

Mortgage

Document Number	0020243274
Date	Jul 19, 2024
Instrument	2024-3274

Lender

Name	CLEAR LAKE BANK AND TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CERRO GORDO IA
Recording Date	Apr 29, 2022
Property Address	615 3RD AVE N, CLEAR LAKE, IA 50428-1605
Document Number	02022/2342
Book / Page	2022 / 2342
Instrument Date	Apr 27, 2022
Instrument	2022-2340
Transaction Type	Transfer
Record Updated	May 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$413.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	615 3RD AVE N, CLEAR LAKE, IA 50428-1605

Mortgage

Document Number	2022234120222341
Date	Apr 29, 2022
Instrument	2022-234120222341

Lender

Name	CLEAR LAKE BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CERRO GORDO IA
Property Address	615 3RD AVE N, CLEAR LAKE, IA 50428-1605
Transaction Type	Mortgage
Record Updated	Aug 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-4408
Date	Aug 2, 2017
Book Page	2017/4408
Instrument	2017-4408

Lender

Name	NORTH IOWA COMMUNITY CU
Type	Credit Union
Address	MASON CITY, IA 50402

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	180 Months
Due	Aug 6, 2032

Tax Assessment & Valuation

Source: Cerro Gordo County assessment roll, as of November 14, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Cerro Gordo County
Municipality	Clear Lake City
Unified School District	Clear Lake Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,200.00	$253,860 (+3.46%) Land $38,500 Building $215,360	$253,860 (+3.46%) Land $38,500 Building $215,360
2024	$3,200.00 (+26.18%)
2023		$245,370 (+43.69%) Land $28,880 Building $216,490	$245,370 (+43.69%) Land $28,880 Building $216,490
2022	$2,536.00	$170,760 Land $22,000 Building $148,760	$170,760 Land $22,000 Building $148,760

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 December 14, 2022 · 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	4 in force
Nearby Flood Claims	2 (1999–2007)
Most Recent Claim	Aug 2007 · 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	Not rated no burnable land within 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	CLEAR LAKE WATER DEPARTMENT serves 7,687 people · EPA ID IA1716076
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	4 ppb (2023–2025) 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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Clear Lake Independent Telephone Company Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: Router12 Networks, T-Mobile, Verizon.

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