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

Madison County property record for 240 E 1st St, Earlham, IA 50072

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,556 sqft · built 1911
Lot Size	0.302 acres (13,140 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jul 2023)
Tax Bill	$3,628 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`850000111020000`

Property Details

APN / Parcel Number

Primary APN	`850000111020000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,556 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Unfinished Basement	576 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,140 sqft (0.302 acres)
Lot Dimensions	180 ft deep x 73 ft wide
Garage Type	Detached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	165 sqft
Deck Area	388 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	240 E 1ST ST
City	EARLHAM
State	IA
Zip	50072-7745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W1/2 LOTS 1-2 & 3 BLOCK 11 ORIGINAL ADDITION
Legal Subdivision	ORIGINAL ADD
Legal Block	11
Legal Lot Number	1-3
Jurisdiction	MADISON IA
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1100
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	2 Individual Names on Record
Mailing Address	240 E 1ST ST, EARLHAM, IA 50072-7745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 24, 2023	Deed of Trust, Mortgage · FHA Mortgage CROSS COUNTRY MORTGAGE
Jan 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AFFINITY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2023 · Amount on Record
Deed Sale	Jul 24, 2023 · Amount on Record
Deed Document Number	20231700
Deed Book / Page	2023 / 1700
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	240 SE 1ST ST, EARLHAM, IA 50072-7735
Transaction Type	Mortgage
Record Updated	May 13, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 E 1ST ST, EARLHAM, IA 50072-7745

Mortgage

Document Number	002024/694
Date	Apr 1, 2024
Book Page	2024/694
Instrument	2024 694

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	240 SE 1ST ST, EARLHAM, IA 50072-7735
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1701
Date	Jul 24, 2023
Book Page	2023/1701
Instrument	2023 1701

Lender

Name	CROSS COUNTRY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	240 SE 1ST ST, EARLHAM, IA 50072-7735
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/320
Date	Jan 29, 2020
Book Page	2020/320
Instrument	320

Lender

Name	AFFINITY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
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	$3,628.00 Homeowner's exemption	$230,300 (+49.06%) Land $24,300 Building $206,000	$230,300 (+49.06%) Land $24,300 Building $206,000
2024	$3,628.00 (+52.95%)
2023		$154,500 Land $15,500 Building $139,000	$154,500 Land $15,500 Building $139,000
2022	$2,372.00

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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