314 E Main St, Epworth, IA 52045 Property Records

Dubuque County property record for 314 E Main St, Epworth, IA 52045

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,760 sqft · built 1990
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (May 1999)
Tax Bill	$4,324 (2024)
Deeds & Mortgages	Oct 2018 Line of Credit Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-11-403-002`

Property Details

APN / Parcel Number

Primary APN	`13-11-403-002`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,760 sqft Living Area
1st Floor Area	1,760 sqft
Basement Area	1,760 sqft
Finished Basement	1,299 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	132 sqft
Deck Area	364 sqft
Patio Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	314 E MAIN ST
City	EPWORTH
State	IA
Zip	52045-9650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CO
Legal Description	LOT 1-4 NW SE - SEC 11 T88N R1W;
Legal Range	01W
Legal Township	88N
Legal Section	11
Legal Subdivision	EPWORTH
Legal Lot Number	1-4 2
Jurisdiction	DUBUQUE IA
Township / Civil Division	TAYLOR
Census Block Group	3
Census Block	3035
Census Tract	10202

Owner

314 E Main St is owned and occupied by two individuals who bought it in May 1999.

Source: Dubuque County records, as of October 6, 2025

Owner of Record	2 Individual Names on File
Mailing Address	314 E MAIN ST, EPWORTH, IA 52045-9650
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2018	Deed of Trust, Mortgage · Line of Credit FIDELITY BANK & TRUST
Dec 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 1999 · Amount on File
Deed Sale	May 5, 1999 · Amount on File
Deed Document Number	00D-997473
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	314 E MAIN ST, EPWORTH, IA 52045-9650
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 E MAIN ST, EPWORTH, IA 52045-9650

Mortgage

Document Number	0000012217
Date	Oct 17, 2018
Instrument	2018-00012217

Lender

Name	FIDELITY BANK & TRUST
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 26, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	314 E MAIN ST, EPWORTH, IA 52045-9650
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015415
Date	Dec 9, 2019
Instrument	2019-00015415

Lender

Name	FIDELITY BANK & TRUST
Type	Bank
Address	EPWORTH, IA 52045

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Dubuque County
Municipality	Epworth City
Unified School District	Western Dubuque County Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$371,500 Land $40,400 Building $331,100	$371,500 Land $40,400 Building $331,100
2024	$4,324.00
2023		$336,400 (+20.28%) Land $40,400 Building $296,000	$336,400 Land $40,400 Building $296,000
2022	$4,112.00 Homeowner's exemption	$279,690 Land $40,380 Building $239,310
2021			$279,690 Land $40,380 Building $239,310

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 314 E Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 9, 2021 · 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.

Wildfire

Wildfire risk around 314 E Main St is low, with a 0.01% annual chance of 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	EPWORTH WATER SUPPLY serves 2,023 people · EPA ID IA3133033
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	6 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ImOn Communications Fiber	1,000 / 1,000
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Comelec Internet Services Fixed Wireless	250 / 50
Windstream DSL · Fiber in parts of the area	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Main St

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