304 Carter St, Irwin, IA 51446 Property Records

Shelby County property record for 304 Carter St, Irwin, IA 51446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 929 sqft · built 1974
Lot Size	0.16 acres (6,952 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Sep 2025)
Tax Bill	$1,348 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Apr 2025 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`832112000030`

Property Details

APN / Parcel Number

Primary APN	`832112000030`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	929 sqft Living Area
Basement Area	929 sqft
Finished Basement	300 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Foyer
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,952 sqft (0.16 acres)
Lot Dimensions	79 ft deep x 88 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	304 CARTER ST
City	IRWIN
State	IA
Zip	51446-7712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARTERS ADDITION LT 3
Legal Subdivision	CARTERS ADD
Legal Lot Number	3
Jurisdiction	SHELBY IA
Township / Civil Division	JEFFERSON
Census Block Group	4
Census Block	4034
Census Tract	960100

Owner

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 Record
Mailing Address	304 CARTER ST, IRWIN, IA 51446-7712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Warranty Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 1, 2025	Warranty Deed, Transfer
Sep 17, 2025	Warranty Deed, Transfer
Aug 26, 2013	Intrafamily Transfer, Transfer
Jul 31, 2006	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2025 · Amount on Record
Deed Sale	Sep 17, 2025 · Amount on Record
Prior Sale	Sep 17, 2025 · Amount on Record
Prior Transfer Date	Aug 26, 2013
Prior Transfer Doc	20131840
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Sep 17, 2025
Property Address	304 CARTER ST, IRWIN, IA 51446-7712
Document Number	0020251657
Instrument Date	Sep 3, 2025
Instrument	2025-1657
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 CARTER ST, IRWIN, IA 51446-7712

Mortgage

Document Number	0020251658
Date	Sep 17, 2025
Instrument	2025-1658

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Apr 1, 2025
Property Address	304 CARTER ST, IRWIN, IA 51446-7712
Document Number	0020250580
Instrument Date	Apr 1, 2025
Instrument	2025-0580
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 233, IRWIN, IA 51446-0233

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Sep 17, 2025
Property Address	304 CARTER ST, IRWIN, IA 51446-7712
Document Number	0020251656
Instrument Date	Oct 22, 2014
Instrument	2025-1656
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$90.40
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	PO BOX 233, IRWIN, IA 51446-0233

August 2013: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHELBY IA
Recording Date	Aug 26, 2013
Property Address	304 CARTER ST, IRWIN, IA 51446-7712
Document Number	0020131840
Instrument Date	Aug 26, 2013
Instrument	2013-1840
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 48, IRWIN, IA 51446-0048

July 2006: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHELBY IA
Recording Date	Jul 31, 2006
Property Address	304 CARTER ST, IRWIN, IA 51446-7712
Document Number	0020062187
Instrument Date	Jul 31, 2006
Instrument	2006-2187
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 48, IRWIN, IA 51446-0048

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	$1,348.00 (+3.37%)	$82,754 (-) Land $11,088 Building $71,666	$82,754 (-) Land $11,088 Building $71,666
2025	$1,304.00	$82,754 (+5.03%) Land $11,088 Building $71,666	$82,754 (+5.03%) Land $11,088 Building $71,666
2024	$1,304.00 (+31.98%)
2023		$78,793 (+48.48%) Land $11,088 Building $67,705	$78,793 (+48.48%) Land $11,088 Building $67,705
2022	$988.00	$53,066 Land $11,088 Building $41,978
2021			$53,066 Land $11,088 Building $41,978

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

5G (outdoors only) and 4G LTE

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