155 E 1st St, Earlham, IA 50072 Property Records

Madison County property record for 155 E 1st St, Earlham, IA 50072

Property Summary

Property Type	Commercial
Details	2,450 sqft · built 1900
Lot Size	0.079 acres (3,420 sqft)
Owner	Individual Name on Record
Tax Bill	$388 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`851000103040000`

Property Details

APN / Parcel Number

Primary APN	`851000103040000`

Interior

Stories	1 Story
Building Area	2,450 sqft Building Perimeter
Gross Area	7,350 sqft
1st Floor Area	2,450 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	3,420 sqft (0.079 acres)
Lot Dimensions	60 ft deep x 57 ft wide

Location & Zoning

Street Address	155 E 1ST ST
City	EARLHAM
State	IA
Zip	50072-7717
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	E 57' LOT 5 BLOCK 3 ORIGINAL ADDITION
Legal Subdivision	TOWN EARLHAM
Legal Block	3
Legal Lot Number	5
Jurisdiction	MADISON IA
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1091
Census Tract	60101

Owner

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	155 E 1ST ST, EARLHAM, IA 50072-7717
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage EARLHAM SAVINGS BANK
Feb 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage EARLHAM SAVINGS BANK
Dec 7, 2017	Deed of Trust, Mortgage EARLHAM SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	155 E 1ST ST, EARLHAM, IA 50072-7717
Transaction Type	Mortgage
Record Updated	Sep 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2438
Date	Aug 15, 2022
Book Page	2022/2438
Instrument	2022 2438

Lender

Name	EARLHAM SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Aug 15, 2062

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	155 E 1ST ST, EARLHAM, IA 50072-7717
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/323
Date	Feb 1, 2022
Book Page	2022/323
Instrument	2022 323

Lender

Name	EARLHAM SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jan 28, 2062

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	155 E 1ST ST, EARLHAM, IA 50072-7717
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/3849
Date	Dec 7, 2017
Book Page	2017/3849
Instrument	2017 3849

Lender

Name	EARLHAM SAVINGS BANK
Type	Bank
Address	EARLHAM, IA 50072

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Madison County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Madison County
Municipality	Earlham City
Unified School District	Earlham Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$388.00	$30,300 (+36.49%) Land $3,100 Building $27,200	$30,300 (+36.49%) Land $3,100 Building $27,200
2024	$388.00 (+3.19%)
2023		$22,200 Land $3,100 Building $19,100	$22,200 Land $3,100 Building $19,100
2022	$376.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 21, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	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	EARLHAM MUNICIPAL WATERWORKS serves 1,446 people · EPA ID IA6115097
Water Source	Purchased surface water from WARREN WATER DISTRICT
Last State Inspection	Apr 2024
Lead	2 ppb (2021–2023) 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: BTWI, Nextlink.

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