309 3rd St, Earling, IA 51530 Property Records

Shelby County property record for 309 3rd St, Earling, IA 51530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,036 sqft · built 1950
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$178,000 (Feb 2024)
Tax Bill	$2,504 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`832300004120`

Property Details

APN / Parcel Number

Primary APN	`832300004120`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,036 sqft Living Area
1st Floor Area	768 sqft
Attic	Attic
Attic Area	268 sqft
Basement Area	768 sqft
Finished Basement	375 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	1,320 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Porch Area	36 sqft
Deck Area	422 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	309 3RD ST
City	EARLING
State	IA
Zip	51530-5329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN LT 12 BLK 4
Legal Subdivision	EARLING
Legal Block	4
Legal Lot Number	12
Jurisdiction	SHELBY IA
Township / Civil Division	WESTPHALIA
Census Block Group	4
Census Block	4104
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	309 3RD ST, EARLING, IA 51530-5329
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Survivor

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2024 · Amount on Record
Deed Sale	Feb 20, 2024 · Amount on Record
Prior Sale	Dec 12, 2016 · Amount on Record
Deed Document Number	2024249
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Feb 20, 2024
Property Address	309 3RD ST, EARLING, IA 51530-5329
Document Number	0020240249
Instrument Date	Feb 20, 2024
Instrument	2024-0249
Transaction Type	Transfer
Record Updated	Mar 18, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$284.00
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	309 3RD ST, EARLING, IA 51530-5329

Mortgage

Document Number	0020240250
Date	Feb 20, 2024
Instrument	2024-0250

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Mar 1, 2029
Change Frequency	6 Months
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Margin	3
Max Rate	11.5%

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	$2,504.00 (+24.83%)	$130,006 (-) Land $9,188 Building $120,818	$130,006 (-) Land $9,188 Building $120,818
2025		$130,006 (+22.33%) Land $9,188 Building $120,818	$130,006 (+22.33%) Land $9,188 Building $120,818
2024	$2,006.00 (+39.11%)
2023		$106,273 (+54.39%) Land $9,188 Building $97,085	$106,273 (+54.39%) Land $9,188 Building $97,085
2022	$1,442.00	$68,836 Land $7,875 Building $60,961
2021			$68,836 Land $7,875 Building $60,961

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

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 66% of the US · above 60% of Iowa
Wildfire Likelihood	0.04% 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 42 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

May also be available: Western Iowa Wireless.

Cell Coverage

5G (outdoors only) and 4G LTE

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