Madison County property record for 105 E Main St, Saint Charles, IA 50240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,324 sqft · built 1966 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $238,500 (May 2026) |
| Tax Bill | $4,074 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 870000100050000 |
| Primary APN | 870000100050000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,324 sqft Living Area |
| Basement Area | 1,324 sqft |
| Unfinished Basement | 1,324 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 621 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 40 sqft |
| Deck Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 105 E MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IA |
| Zip | 50240-1522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 ORIGINAL N.E. ADDN |
| Legal Subdivision | SAINT CHARLES |
| Legal Lot Number | 6 |
| Jurisdiction | MADISON IA |
| Township / Civil Division | SOUTH |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 60102 |
105 E Main St is owned and occupied by an individual who bought it in May 2026.
Source: Madison County records, as of June 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 105 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| 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.
| Date | Document |
|---|---|
| May 11, 2026 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING |
| May 11, 2026 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING |
| Sep 29, 2017 | Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2026 · Amount on File |
| Deed Sale | May 11, 2026 · Amount on File |
| Prior Sale | Sep 17, 2013 · Amount on File |
| Deed Document Number | 20261308 |
| Deed Book / Page | 2026 / 1308 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON IA |
| Recording Date | May 11, 2026 |
| Property Address | 105 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| Document Number | 02026/1308 |
| Book / Page | 2026 / 1308 |
| Instrument Date | May 5, 2026 |
| Instrument | 20261308 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $38,460.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| Document Number | 0000001309, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 20261309 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2051 |
| Max Rate | -1% |
|---|
| Document Number | 0000001310, |
|---|---|
| Date | May 11, 2026 |
| Book Page | 2026/1310 |
| Instrument | 20261310 |
| Name | IOWA FINANCIAL AUTH |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON IA |
| Recording Date | May 11, 2026 |
| Property Address | 105 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| Document Number | 0000001308 |
| Book / Page | 2026 / 1308 |
| Instrument Date | May 5, 2026 |
| Instrument | 20261308 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $38,460.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| Document Number | 0000001309, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 20261309 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2051 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000001310, |
|---|---|
| Date | May 11, 2026 |
| Book Page | 2026/1310 |
| Instrument | 20261310 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 25 Months |
| Due | Jun 1, 2051 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON IA |
| Recording Date | Sep 29, 2017 |
| Property Address | 105 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| Document Number | 02017/3083 |
| Book / Page | 2017 / 3083 |
| Instrument Date | Sep 28, 2017 |
| Instrument | 2017 3083 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 105 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| Document Number | 02017/3084 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 2017/3084 |
| Instrument | 2017 3084 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
The 2025 property tax bill for 105 E Main St was $4,074.
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 | $4,074.00 | $243,000 Land $16,300 Building $226,700 | $243,000 Land $16,300 Building $226,700 |
| 2024 | $4,074.00 | ||
| 2023 | $227,400 Land $7,300 Building $220,100 | $227,400 Land $7,300 Building $220,100 | |
| 2022 | $3,706.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 E Main St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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.
Wildfire risk around 105 E Main St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 64% of Iowa |
|---|---|
| Wildfire Likelihood | 0.03% 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 169 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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