202 Checkerboard St, Irwin, IA 51446 Property Records

Shelby County property record for 202 Checkerboard St, Irwin, IA 51446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,120 sqft · built 1963
Lot Size	0.276 acres (12,028 sqft)
Owner	2 Individual Names on File
Last Sale	$20,500 (Feb 2024)
Tax Bill	$150 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2024 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`832109000060`

Property Details

APN / Parcel Number

Primary APN	`832109000060`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	500 sqft
Unfinished Basement	1,120 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	12,028 sqft (0.276 acres)
Lot Dimensions	124 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Deck Area	128 sqft
Patio Area	252 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	202 CHECKERBOARD ST
City	IRWIN
State	IA
Zip	51446-7559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ADAMS SD LT 6 BLK 19
Legal Subdivision	ADAMS SD
Legal Block	19
Legal Lot Number	6
Jurisdiction	SHELBY IA
Township / Civil Division	JEFFERSON
Census Block Group	4
Census Block	4044
Census Tract	960100

Owner

202 Checkerboard St is owned by two individuals who acquired it in July 2026.

Source: Shelby County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 69, IRWIN, IA 51446-0069
Owner Type	Individual
Vesting	Survivor

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Affidavit, Transfer · Line of Credit SHELBY COUNTY STATE BANK
Aug 29, 2024	Deed of Trust, Mortgage · Line of Credit SHELBY COUNTY STATE BANK
Jul 22, 2024	Deed of Trust, Mortgage · Line of Credit SHELBY COUNTY STATE BANK
May 12, 2021	Warranty Deed, Transfer
Jul 25, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED BANK
Jul 12, 2011	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2024 · Amount on File
Deed Sale	Feb 28, 2024 · Amount on File
Prior Sale	May 12, 2021 · Amount on File
Deed Document Number	2024312
Last Transfer Date	Jul 28, 2026
Transfer Doc	0000001336
Record Updated	Oct 29, 2026

July 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	SHELBY IA
Recording Date	Jul 28, 2026
Property Address	202 CHECKERBOARD ST, IRWIN, IA 51446-7559
Document Number	0000001336
Instrument Date	Jul 28, 2026
Instrument	20261336
Transaction Type	Transfer
Record Updated	Aug 11, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001337,
Date	Jul 28, 2026
Instrument	20261337

Lender

Name	SHELBY COUNTY STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2056

Interest

Rate	6.49%
Max Rate	-1%

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	202 CHECKERBOARD ST, IRWIN, IA 51446-7559
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 40, EARLING, IA 51530-0040

Mortgage

Document Number	0020241288
Date	Aug 29, 2024
Instrument	2024-1288

Lender

Name	SHELBY COUNTY STATE BANK
Type	Bank
Address	HARLAN, IA 51537

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	202 CHECKERBOARD ST, IRWIN, IA 51446-7559
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 40, EARLING, IA 51530-0040

Mortgage

Document Number	0020241093
Date	Jul 22, 2024
Instrument	2024-1093

Lender

Name	SHELBY COUNTY STATE BANK
Type	Bank
Address	HARLAN, IA 51537

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	9 Months
Due	Apr 1, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	May 12, 2021
Property Address	202 CHECKERBOARD ST, IRWIN, IA 51446-7559
Document Number	0020211009
Instrument Date	May 11, 2021
Instrument	2021-1009
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Amount	Amount on Record
Tax	$28.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	932 2ND AVE S, DENISON, IA 51442

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Jul 25, 2019
Property Address	202 CHECKERBOARD ST, IRWIN, IA 51446-7559
Document Number	0020191105
Instrument Date	Jul 24, 2019
Instrument	2019-1105
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 CHECKERBOARD ST, IRWIN, IA 51446-7559

Mortgage

Document Number	0020191106
Date	Jul 25, 2019
Instrument	2019-1106

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

July 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Jul 12, 2011
Property Address	202 CHECKERBOARD ST, IRWIN, IA 51446-7559
Document Number	0020111440
Instrument Date	Jul 7, 2011
Instrument	2011-1440
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 CHECKERBOARD ST, IRWIN, IA 51446-7559

Mortgage

Document Number	0020111441
Date	Jul 12, 2011
Instrument	2011-1441

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	396 Months
Due	Jul 12, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 202 Checkerboard St was $150, down 69% from the year before.

Source: Shelby County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Shelby County
Municipality	Irwin City
Unified School District	IKM-Manning Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$150.00 (-69.01%)	$104,189 (+258.77%) Land $9,797 Building $94,392	$104,189 (+258.77%) Land $9,797 Building $94,392
2025	$484.00	$29,041 Land $9,797 Building $19,244	$29,041 Land $9,797 Building $19,244
2024	$484.00
2023		$29,193 (+30.71%) Land $9,797 Building $19,396	$29,193 Land $9,797 Building $19,396
2022	$416.00	$22,335 Land $9,797 Building $12,538
2021			$22,335 Land $9,797 Building $12,538

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

Flood

FEMA maps place 202 Checkerboard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 16, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

Wildfire risk around 202 Checkerboard St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	Under 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	IRWIN MUNICIPAL SUPPLY serves 313 people · EPA ID IA8340099
Water Source	Purchased groundwater from WEST CENTRAL RWA - NISH SYSTEM
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Farmers Mutual Cooperative Telephone Fiber	400 / 100
Starlink Satellite	280 / 30

May also be available: Western Iowa Wireless.

Cell Coverage

4G LTE only, no 5G reported

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