Madison County property record for 113 E Main St, Saint Charles, IA 50240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,868 sqft · built 1892 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $23,000 (Nov 2015) |
| Tax Bill | $2,262 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Oct 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 870000100061000 |
| Primary APN | 870000100061000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,868 sqft Living Area |
| 1st Floor Area | 884 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1892 |
|---|---|
| Effective Year Built | Effective 1892 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| 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 | 936 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 113 E MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IA |
| Zip | 50240-1522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 ORIGINAL N.E. ADDN |
| Legal Subdivision | ST CHARLES |
| Legal Lot Number | 8 |
| Jurisdiction | MADISON IA |
| Township / Civil Division | SOUTH |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 60102 |
Source: Madison 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 | 113 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 5, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 31, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 2, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 22, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2015 · Amount on Record |
| Deed Sale | Nov 5, 2015 · Amount on Record |
| Deed Document Number | 20153284 |
| Deed Book / Page | 2015 / 3284 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IA |
| Property Address | 113 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 113 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| Document Number | 02023/2135 |
|---|---|
| Date | Sep 5, 2023 |
| Book Page | 2023/2135 |
| Instrument | 2023 2135 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IA |
| Property Address | 113 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/3410 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | 2017/3410 |
| Instrument | 2017 3410 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Mar 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IA |
| Property Address | 113 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/0702 |
|---|---|
| Date | Mar 2, 2017 |
| Book Page | 2017/0702 |
| Instrument | 2017 0702 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IA |
| Property Address | 113 E MAIN ST, SAINT CHARLES, IA 50240-1522 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/4025 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | 2020/4025 |
| Instrument | 2020 4025 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|
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 | $2,262.00 Homeowner's exemption | $148,600 (+8.86%) Land $16,300 Building $132,300 | $148,600 (+5.77%) Land $16,300 Building $132,300 |
| 2024 | $2,262.00 (+22.8%) | ||
| 2023 | $136,500 Land $7,300 Building $129,200 | $140,500 | |
| 2022 | $1,842.00 |
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures