256 5th St, Earling, IA 51530 Property Records

Shelby County property record for 256 5th St, Earling, IA 51530

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 936 sqft · built 1955
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$89,500 (Jun 2021)
Tax Bill	$1,822 (2026)
Deeds & Mortgages	May 2015 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`832305002191`

Property Details

APN / Parcel Number

Primary APN	`832305002191`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
Basement Area	936 sqft
Finished Basement	475 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Metal Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	75 ft deep x 88 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	256 5TH ST
City	EARLING
State	IA
Zip	51530-5453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KOHLES 1ST ADD E 88' LTS 19, 20 & 21 BLK 2
Legal Subdivision	KOHLES 1ST ADD
Legal Block	2
Legal Lot Number	19-21
Jurisdiction	SHELBY IA
Township / Civil Division	UNION
Census Block Group	4
Census Block	4111
Census Tract	960200

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	256 5TH ST, EARLING, IA 51530-5453
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Survivor

Deeds, Mortgages & Sale History

Date	Document
May 13, 2015	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHWEST IOWA HOUSING TRUST
Jun 15, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2021 · Amount on Record
Deed Sale	Jun 15, 2021 · Amount on Record
Prior Sale	May 6, 2015
Deed Document Number	20211274
Prior Transfer Date	Nov 20, 2014
Prior Transfer Doc	0020142115
Record Updated	Oct 29, 2026

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	256 5TH ST, EARLING, IA 51530-5453
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020150744
Date	May 13, 2015
Instrument	2015-0744

Lender

Name	FARMERS TRUST & SAVINGS BANK
Address	EARLING, IA 51530

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 4, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	256 5TH ST, EARLING, IA 51530-5453
Transaction Type	Mortgage
Record Updated	Oct 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020211276
Date	Jun 15, 2021
Instrument	2021-1276

Lender

Name	SOUTHWEST IOWA HOUSING TRUST
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Jun 15, 2021
Property Address	256 5TH ST, EARLING, IA 51530-5453
Document Number	0020211274
Instrument Date	Jun 11, 2021
Instrument	2021-1274
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$142.40
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	256 5TH ST, EARLING, IA 51530-5453

Mortgage

Document Number	0020211275
Date	Jun 15, 2021
Instrument	2021-1275

Lender

Name	AMERICAN NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0020211276
Date	Jun 15, 2021
Instrument	2021-1276

Lender

Name	SOUTHWEST IOWA HOUSING TRUST
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Shelby County
Municipality	Earling City
Unified School District	Harlan Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,822.00 (+200.66%)	$105,464 (-) Land $14,256 Building $91,208	$105,464 (-) Land $14,256 Building $91,208
2025	$606.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$105,464 (+20.46%) Land $14,256 Building $91,208	$105,464 (+20.46%) Land $14,256 Building $91,208
2024	$606.00 (-46.09%)
2023		$87,548 (+39.84%) Land $14,256 Building $73,292	$87,548 (+39.84%) Land $14,256 Building $73,292
2022	$1,124.00 Homeowner's exemption	$62,604 Land $14,256 Building $48,348
2021			$62,604 Land $14,256 Building $48,348

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

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 96% of the US · lower than 71% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EARLING WATER SUPPLY serves 397 people · EPA ID IA8320098
Water Source	Purchased groundwater from REGIONAL WATER
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 500
Farmers Mutual Cooperative Telephone Fiber	400 / 100
Starlink Satellite	280 / 30

May also be available: Western Iowa Wireless.

Cell Coverage

5G (outdoors only) and 4G LTE

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