Madison County property record for 104 E Carpenter St, Saint Charles, IA 50240
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 3,092 sqft · built 1976 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $167,000 (Jun 2015) |
| Tax Bill | $4,840 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jan 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 870001400121100 |
| Primary APN | 870001400121100 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,092 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 1,752 sqft |
| Unfinished Basement | 1,752 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 60,984 sqft (1.4 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 32 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 104 E CARPENTER ST |
|---|---|
| City | SAINT CHARLES |
| State | IA |
| Zip | 50240-1501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2A S BLK 2 & W BLK 3 EX PAR EE SOUDERS ADN MIS SEC 24 |
| Legal Range | 26W |
| Legal Township | 75N |
| Legal Section | 24 |
| Legal Block | 2,3 |
| Jurisdiction | MADISON IA |
| Township / Civil Division | SOUTH |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 60102 |
Source: Madison 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 | 104 E CARPENTER ST, SAINT CHARLES, IA 50240-1501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2020 | Deed of Trust, Mortgage · ARM DEERE EMPLOYEES CU |
| Jan 27, 2017 | Correction Deed |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2015 · Amount on Record |
| Deed Sale | Jun 9, 2015 · Amount on Record |
| Deed Document Number | 20152015 |
| Deed Book / Page | 2015 / 1587 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IA |
| Property Address | 104 E CARPENTER ST, SAINT CHARLES, IA 50240-1501 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/2340 |
|---|---|
| Date | Jul 1, 2020 |
| Book Page | 2020/2340 |
| Instrument | 2020 2340 |
| Name | DEERE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5% |
| Index | 1-Year CMT |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MADISON IA |
| Recording Date | Jan 27, 2017 |
| Property Address | 104 E CARPENTER ST, SAINT CHARLES, IA 50240-1501 |
| Document Number | 2017/0316 |
| Book / Page | 2017 / 0316 |
| Instrument Date | Jan 19, 2017 |
| Instrument | 2017 0316 |
| Record Updated | Jun 28, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 104 E CARPENTER ST, SAINT CHARLES, IA 50240-1501 |
Source: Madison County assessment roll, as of October 20, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Madison County |
| Municipality | St. Charles City |
| Unified School District | Interstate 35 Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,840.00 Homeowner's exemption | $304,200 (+8.53%) Land $67,300 Building $236,900 | $304,200 (+8.53%) Land $67,300 Building $236,900 |
| 2024 | $4,840.00 (+11.37%) | ||
| 2023 | $280,300 Land $22,900 Building $257,400 | $280,300 Land $22,900 Building $257,400 | |
| 2022 | $4,346.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 62% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| OmniTel-Interstate Cablevision Fiber | 8,000 / 8,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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