402 Main St, Earling, IA 51530 Property Records

Shelby County property record for 402 Main St, Earling, IA 51530

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,152 sqft · built 1965
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individual Names on File
Last Sale	$116,000 (Apr 2019)
Tax Bill	$2,972 (2026)
Deeds & Mortgages	Apr 2019 Sale & Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`832310000001`

Property Details

APN / Parcel Number

Primary APN	`832310000001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Basement Area	1,152 sqft
Finished Basement	900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	508 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	93 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	402 MAIN ST
City	EARLING
State	IA
Zip	51530-5023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	32-81-39 PT SW SW 150' X 75' .25 AC
Legal Range	39W
Legal Township	81N
Legal Section	32
Legal Subdivision	KOHLES FIRST ADD
Jurisdiction	SHELBY IA
Township / Civil Division	UNION
Census Block Group	4
Census Block	4108
Census Tract	960200

Owner

402 Main St is owned and occupied by two individuals who bought it in April 2019.

Source: Shelby County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	402 MAIN ST, HARLAN, IA 51537-1143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Survivor

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
Apr 26, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage IOWA BANKERS MORTGAGE CORPORATION
Mar 16, 2018	Quit Claim Deed, Transfer MIDSTATES BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2019 · Amount on File
Deed Sale	Apr 26, 2019 · Amount on File
Prior Sale	Aug 6, 2013 · Amount on File
Deed Document Number	2019632
Prior Transfer Date	Feb 12, 2018
Prior Transfer Doc	20180426
Record Updated	Oct 29, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Apr 26, 2019
Property Address	402 MAIN ST, EARLING, IA 51530-5023
Document Number	20190632
Instrument Date	Apr 24, 2019
Instrument	2019-0632
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 MAIN ST, HARLAN, IA 51537-1143

Mortgage

Document Number	0020190633
Date	Apr 26, 2019
Instrument	2019-0633

Lender

Name	IOWA BANKERS MORTGAGE CORPORATION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHELBY IA
Recording Date	Mar 16, 2018
Property Address	402 MAIN ST, EARLING, IA 51530-5023
Document Number	20180426
Instrument Date	Feb 12, 2018
Instrument	2018-0426
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180427
Date	Mar 16, 2018
Instrument	2018-0427

Lender

Name	MIDSTATES BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	238 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 402 Main St was $2,972 with a homeowner's exemption, up 21.8% from the year before.

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	$2,972.00 (+21.8%)	$165,222 (-) Land $14,044 Building $151,178	$165,222 (-) Land $14,044 Building $151,178
2025	$2,440.00 Homeowner's exemption	$165,222 Land $14,044 Building $151,178	$165,222 Land $14,044 Building $151,178
2024	$2,440.00
2023		$139,444 (+48.12%) Land $14,044 Building $125,400	$139,444 Land $14,044 Building $125,400
2022	$1,786.00 Homeowner's exemption	$94,145 Land $12,038 Building $82,107
2021			$94,145 Land $12,038 Building $82,107

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

Flood

FEMA maps place 402 Main St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 402 Main St is low, with a 0.02% annual chance of 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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