707 E Main St, Manchester, IA 52057 Property Records

Delaware County property record for 707 E Main St, Manchester, IA 52057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,549 sqft · built 1900
Lot Size	0.158 acres (6,900 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Apr 2019)
Tax Bill	$3,354 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`631331004600`

Property Details

APN / Parcel Number

Primary APN	`631331004600`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,549 sqft Living Area
1st Floor Area	910 sqft
Attic	Attic
Attic Area	410 sqft
Basement Area	910 sqft
Finished Basement	700 sqft
Unfinished Basement	910 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	115 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	443 sqft
Deck Area	552 sqft
Patio Area	552 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	707 E MAIN ST
City	MANCHESTER
State	IA
Zip	52057-1840
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A. LOVES ADD E 60' LT 2
Legal Subdivision	LOVE'S ADD
Legal Lot Number	2
Jurisdiction	DELAWARE IA
Township / Civil Division	DELAWARE
Census Block Group	4
Census Block	4002
Census Tract	950300

Owner

707 E Main St is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	707 E MAIN ST, MANCHESTER, IA 52057-1840
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · FHA Mortgage WATERSTONE MORTGAGE
Apr 22, 2019	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2019 · Amount on File
Deed Sale	Apr 22, 2019 · Amount on File
Prior Sale	Jul 25, 2016 · Amount on File
Deed Document Number	2019871
Deed Book / Page	2019 / 871
Prior Transfer Date	Apr 30, 2008
Prior Transfer Doc	2008/1434
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IA
Property Address	707 E MAIN ST, MANCHESTER, IA 52057-1840
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1566
Date	Apr 29, 2021
Book Page	2021/1566
Instrument	2021 1566

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IA
Recording Date	Apr 22, 2019
Property Address	707 E MAIN ST, MANCHESTER, IA 52057-1840
Document Number	2019/871
Book / Page	2019 / 871
Instrument Date	Apr 18, 2019
Instrument	871
Transaction Type	Transfer
Record Updated	Oct 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 E MAIN ST, MANCHESTER, IA 52057-1840

Mortgage

Document Number	002019/872
Date	Apr 22, 2019
Book Page	2019/872
Instrument	872

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 707 E Main St was $3,354 with a homeowner's exemption, up 0.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Iowa
County	Delaware County
Municipality	Manchester City
Unified School District	West Delaware County Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$212,600 (-) Land $20,200 Building $192,400	$212,600 (-) Land $20,200 Building $192,400
2025	$3,354.00 (+0.66%) Homeowner's exemption	$212,600 Land $20,200 Building $192,400	$212,600 Land $20,200 Building $192,400
2024	$3,332.00
2023		$193,000 (+26.47%) Land $17,300 Building $175,700	$193,000 Land $17,300 Building $175,700
2022	$3,158.00	$152,600 Land $11,500 Building $141,100
2021			$152,600 Land $11,500 Building $141,100

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

Flood

FEMA maps place 707 E Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 7, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	9 (2007–2016)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Sep 2016 · other causes
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2013 · 4 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims

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

Wildfire risk around 707 E Main St is low, with less than 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 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	MANCHESTER WATER SUPPLY serves 5,077 people · EPA ID IA2839021
Water Source	Groundwater
Last State Inspection	Mar 2025
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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Comelec Internet Services Fiber · Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

Nearby Properties on E Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures