Madison County property record for 109 E Clanton St, Saint Charles, IA 50240
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,233 sqft · built 1870 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Sep 2025) |
| Tax Bill | $2,674 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Oct 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 870000514060000 |
| Primary APN | 870000514060000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,233 sqft Living Area |
| 1st Floor Area | 556 sqft |
| Basement Area | 139 sqft |
| Unfinished Basement | 139 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 132 ft deep x 132 ft wide |
| Garage Type | Detached |
| Garage Area | 1,620 sqft |
| Parking Spaces | 6 Parking Spaces |
| Deck Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 109 E CLANTON ST |
|---|---|
| City | SAINT CHARLES |
| State | IA |
| Zip | 50240-1547 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 7 & 8 BLOCK 14 HARTMAN & YOUNG ADDN |
| Legal Subdivision | HARTMAN & YOUNG ADDN |
| Legal Block | 14 |
| Legal Lot Number | 7,8 |
| Jurisdiction | MADISON IA |
| Township / Civil Division | SOUTH |
| Census Block Group | 1 |
| Census Block | 1046 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 109 E CLANTON ST, SAINT CHARLES, IA 50240-1547 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Sep 25, 2025 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Oct 1, 2018 | Deed of Trust, Mortgage VERIDIAN CREDIT UNION |
| Jan 14, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2025 · Amount on Record |
| Deed Sale | Sep 25, 2025 · Amount on Record |
| Prior Sale | Sep 4, 2014 · Amount on Record |
| Deed Book / Page | 2025 / 2545 |
| Prior Transfer Date | Apr 10, 2013 |
| Prior Transfer Doc | 02013/1039 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON IA |
| Recording Date | Sep 25, 2025 |
| Property Address | 109 E CLANTON ST, SAINT CHARLES, IA 50240-1547 |
| Document Number | 02025/2545 |
| Book / Page | 2025 / 2545 |
| Instrument Date | Sep 22, 2025 |
| Instrument | 2025 2545 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $367.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 E CLANTON ST, SAINT CHARLES, IA 50240-1547 |
| Document Number | 0020252546 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | 2025 2546 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Number | 02025/2547 |
|---|---|
| Date | Sep 25, 2025 |
| Book Page | 2025/2547 |
| Instrument | 2025 2547 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IA |
| Property Address | 109 E CLANTON ST, SAINT CHARLES, IA 50240-1547 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000003162 |
|---|---|
| Date | Oct 1, 2018 |
| Book Page | 0000002018/0000003162 |
| Instrument | 000000003162 |
| Name | VERIDIAN CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 291 Months |
| Due | Jan 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IA |
| Property Address | 109 E CLANTON ST, SAINT CHARLES, IA 50240-1547 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002020/149 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | 2020/149 |
| Instrument | 149 |
| Name | VERIDIAN CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
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 | $2,674.00 Homeowner's exemption | $179,200 (+12.35%) Land $32,700 Building $146,500 | $179,200 (+8.67%) Land $32,700 Building $146,500 |
| 2024 | $2,674.00 (+21.55%) | ||
| 2023 | $159,500 Land $16,300 Building $143,200 | $164,900 | |
| 2022 | $2,200.00 |
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 |
|---|---|
| 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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