Madison County property record for 309 E Main St, Saint Charles, IA 50240
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,318 sqft · built 1909 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,558 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 870000604010000 |
| Primary APN | 870000604010000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,318 sqft Living Area |
| 1st Floor Area | 968 sqft |
| Basement Area | 968 sqft |
| Unfinished Basement | 968 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,958 sqft (0.55 acres) |
| Garage Type | Detached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 365 sqft |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 309 E MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IA |
| Zip | 50240-1524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 36 1/2' & .507A E LOT 1 BLOCK 4 BEAVER & PATTON ADDN |
| Legal Subdivision | BEAVER & PATTON ADD |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | MADISON IA |
| Township / Civil Division | SOUTH |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 60102 |
Source: Madison County records, as of May 27, 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 | 309 E MAIN ST, SAINT CHARLES, IA 50240-1524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2018 | Deed of Trust, Mortgage QUICKEN LOAN INC |
| Mar 2, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IA |
| Property Address | 309 E MAIN ST, SAINT CHARLES, IA 50240-1524 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000003117 |
|---|---|
| Date | Sep 27, 2018 |
| Book Page | 0000002018/0000003117 |
| Instrument | 000000003117 |
| Name | QUICKEN LOAN INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 352 Months |
| Due | Jan 1, 2048 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON IA |
| Recording Date | Mar 2, 2022 |
| Property Address | 309 E MAIN ST, SAINT CHARLES, IA 50240-1524 |
| Document Number | 002022/618 |
| Book / Page | 2022 / 618 |
| Instrument Date | Feb 23, 2022 |
| Instrument | 2022 618 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 309 E MAIN ST, SAINT CHARLES, IA 50240-1524 |
| Document Number | 002022/619 |
|---|---|
| Date | Mar 2, 2022 |
| Book Page | 2022/619 |
| Instrument | 2022 619 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|
Source: Madison County assessment roll, as of October 20, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Madison County |
| Municipality | St. Charles City |
| Unified School District | Interstate 35 Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,558.00 Homeowner's exemption | $156,700 (+2.42%) Land $12,100 Building $144,600 | $156,700 (+2.42%) Land $12,100 Building $144,600 |
| 2024 | $2,558.00 (+13.79%) | ||
| 2023 | $153,000 Land $12,100 Building $140,900 | $153,000 Land $12,100 Building $140,900 | |
| 2022 | $2,248.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 21, 2017 · 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 | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 64% of Iowa |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| OmniTel-Interstate Cablevision Fiber | 8,000 / 8,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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