206 Carter St, Irwin, IA 51446 Property Records

Shelby County property record for 206 Carter St, Irwin, IA 51446

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 936 sqft · built 1980
Lot Size	0.202 acres (8,800 sqft)
Owner	Individual Name on File
Last Sale	$77,000 (Oct 2018)
Tax Bill	$1,546 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`832112000061`

Property Details

APN / Parcel Number

Primary APN	`832112000061`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
Basement Area	936 sqft
Finished Basement	936 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	8,800 sqft (0.202 acres)
Lot Dimensions	80 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	242 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	206 CARTER ST
City	IRWIN
State	IA
Zip	51446-7708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARTERS ADD N 60' LT 6 & S 50' LT 7
Legal Subdivision	CARTERS ADD
Legal Lot Number	6,7
Jurisdiction	SHELBY IA
Township / Civil Division	JEFFERSON
Census Block Group	4
Census Block	4033
Census Tract	960100

Owner

206 Carter St is owned and occupied by an individual who bought it in October 2018.

Source: Shelby County records, as of October 20, 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	Individual Name on File
Mailing Address	206 CARTER ST, IRWIN, IA 51446-7708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT COM LLC
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage SHELBY COUNTY STATE BANK
Oct 2, 2018	Warranty Deed, Transfer SHELBY COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2018 · Amount on File
Deed Sale	Oct 2, 2018 · Amount on File
Deed Document Number	20181800
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	206 CARTER ST, IRWIN, IA 51446-7708
Transaction Type	Mortgage
Record Updated	Nov 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020221890
Date	Sep 7, 2022
Instrument	2022-1890

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	206 CARTER ST, IRWIN, IA 51446-7708
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020201573
Date	Sep 14, 2020
Instrument	2020-1573

Lender

Name	SHELBY COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Oct 2, 2018
Property Address	206 CARTER ST, IRWIN, IA 51446-7708
Document Number	20181800
Instrument Date	Sep 26, 2018
Instrument	2018-1800
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 CARTER ST, IRWIN, IA 51446-7708

Mortgage

Document Number	20181801
Date	Oct 2, 2018
Instrument	2018-1801

Lender

Name	SHELBY COUNTY STATE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	291 Months
Due	Jan 1, 2043

Tax Assessment & Valuation

The 2026 property tax bill for 206 Carter St was $1,546 with a homeowner's exemption.

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	$1,546.00	$105,715 (-) Land $13,860 Building $91,855	$105,715 (-) Land $13,860 Building $91,855
2025		$105,715 Land $13,860 Building $91,855	$105,715 Land $13,860 Building $91,855
2024	$1,532.00
2023		$102,686 (+47.41%) Land $13,860 Building $88,826	$102,686 Land $13,860 Building $88,826
2022	$1,132.00 Homeowner's exemption	$69,662 Land $13,860 Building $55,802
2021			$69,662 Land $13,860 Building $55,802

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

Flood

FEMA maps place 206 Carter St in Zone X, an area of minimal flood risk.

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
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 206 Carter St is low, with 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 97% of the US · lower than 76% 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	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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