Madison County property record for 202 E Carpenter St, Saint Charles, IA 50240
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,191 sqft · built 1890 |
| Lot Size | 0.203 acres (8,834 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $128,000 (Jan 2021) |
| Tax Bill | $2,934 (2025) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 870000803020000 |
| Primary APN | 870000803020000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,191 sqft Living Area |
| 1st Floor Area | 416 sqft |
| Basement Area | 104 sqft |
| Unfinished Basement | 104 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,834 sqft (0.203 acres) |
| Garage Type | Detached |
| Garage Area | 378 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 15 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 202 E CARPENTER ST |
|---|---|
| City | SAINT CHARLES |
| State | IA |
| Zip | 50240-1502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 BLOCK 3 SOUDER'S ADDITION |
| Legal Subdivision | SOWDERS ADDITION |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | MADISON IA |
| Township / Civil Division | SOUTH |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 60102 |
202 E Carpenter St is owned and occupied by two individuals who bought it in January 2021.
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 File |
|---|---|
| Mailing Address | 202 E CARPENTER ST, SAINT CHARLES, IA 50240-1502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2021 · Amount on File |
| Deed Sale | Jan 8, 2021 · Amount on File |
| Prior Sale | Sep 3, 2013 · Amount on File |
| Deed Document Number | 2021104 |
| Deed Book / Page | 2021 / 104 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON IA |
| Recording Date | Jan 8, 2021 |
| Property Address | 202 E CARPENTER ST, SAINT CHARLES, IA 50240-1502 |
| Document Number | 002021/104 |
| Book / Page | 2021 / 104 |
| Instrument Date | Jan 6, 2021 |
| Instrument | 2021 104 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $204.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 202 E CARPENTER ST, SAINT CHARLES, IA 50240-1502 |
| Document Number | 002021/105 |
|---|---|
| Date | Jan 8, 2021 |
| Book Page | 2021/105 |
| Instrument | 2021 105 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 202 E Carpenter St was $2,934.
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 | $2,934.00 | $175,400 Land $16,500 Building $158,900 | $175,400 Land $16,500 Building $158,900 |
| 2024 | $2,934.00 | ||
| 2023 | $163,800 Land $9,200 Building $154,600 | $163,800 Land $9,200 Building $154,600 | |
| 2022 | $2,690.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 202 E Carpenter 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 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 202 E Carpenter St is low, with a 0.02% annual chance of wildfire.
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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