209 Carter St, Irwin, IA 51446 Property Records

Shelby County property record for 209 Carter St, Irwin, IA 51446

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,120 sqft · built 1969
Lot Size	0.15 acres (6,545 sqft)
Owner	2 Individual Names on Record
Last Sale	$68,000 (Nov 2017)
Tax Bill	$1,134 (2026)
Deeds & Mortgages	Jul 2021 Mortgage May 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`832112000130`

Property Details

APN / Parcel Number

Primary APN	`832112000130`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,545 sqft (0.15 acres)
Lot Dimensions	77 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	209 CARTER ST
City	IRWIN
State	IA
Zip	51446-7708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARTERS ADD LT 13
Legal Subdivision	CARTERS ADD
Legal Lot Number	13
Jurisdiction	SHELBY IA
Township / Civil Division	JEFFERSON
Census Block Group	4
Census Block	4033
Census Tract	960100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	209 CARTER ST, IRWIN, IA 51446-7708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Survivor

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
May 4, 2026	Deed of Trust, Mortgage · Line of Credit UNITED BANK OF IOWA
Nov 6, 2017	Warranty Deed, Transfer · ARM TOWN & COUNTRY CU
Nov 7, 2013	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2017 · Amount on Record
Deed Sale	Nov 6, 2017 · Amount on Record
Deed Document Number	20172086
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	209 CARTER ST, IRWIN, IA 51446-7708
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020211591
Date	Jul 26, 2021
Instrument	2021-1591

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Recording Date	May 4, 2026
Property Address	209 CARTER ST, IRWIN, IA 51446-7708
Document Number	0000000731
Instrument Date	May 1, 2026
Instrument	2026731
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 CARTER ST, IRWIN, IA 51446-7708

Mortgage

Document Number	0000000731,
Date	May 4, 2026
Instrument	2026731

Lender

Name	UNITED BANK OF IOWA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	476 Months
Due	Jan 1, 2066

Interest

Rate	6.46%
Max Rate	-1%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Nov 6, 2017
Property Address	209 CARTER ST, IRWIN, IA 51446-7708
Document Number	0020172086
Instrument Date	Nov 1, 2017
Instrument	2017-2086
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$108.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	209 CARTER ST, IRWIN, IA 51446-7708

Mortgage

Document Number	0020172087
Date	Nov 6, 2017
Instrument	2017-2087

Lender

Name	TOWN & COUNTRY CU
Type	Credit Union
Address	HARLAN, IA 51537

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	10.2%

November 2013: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHELBY IA
Recording Date	Nov 7, 2013
Property Address	209 CARTER ST, IRWIN, IA 51446-7708
Document Number	0020132376
Instrument Date	Oct 25, 2013
Instrument	2013-2376
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2341 OZARK PLATEAU DR, HENDERSON, NV 89044-0105

Tax Assessment & Valuation

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	$1,134.00 (+3.28%)	$95,090 (-) Land $10,583 Building $84,507	$95,090 (-) Land $10,583 Building $84,507
2025	$1,098.00 Homeowner's exemption	$95,090 (+5.35%) Land $10,583 Building $84,507	$95,090 (+5.35%) Land $10,583 Building $84,507
2024	$1,098.00 (+17.56%)
2023		$90,261 (+52.88%) Land $10,583 Building $79,678	$90,261 (+52.88%) Land $10,583 Building $79,678
2022	$934.00 Homeowner's exemption	$59,040 Land $10,583 Building $48,457
2021			$59,040 Land $10,583 Building $48,457

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 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

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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