404 Main St, Earling, IA 51530 Property Records

Shelby County property record for 404 Main St, Earling, IA 51530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,040 sqft · built 1972
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,884 (2026)
Deeds & Mortgages	Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`832310000003`

Property Details

APN / Parcel Number

Primary APN	`832310000003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Basement Area	1,040 sqft
Finished Basement	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Vinyl
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	Mixed
Garage Area	1,332 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Deck Area	271 sqft
Patio Area	120 sqft
Shed	1 Shed
Lean-To	Lean-To

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	404 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--.25 AC 150' X 75'
Legal Range	39W
Legal Township	81N
Legal Section	32
Jurisdiction	SHELBY IA
Township / Civil Division	UNION
Census Block Group	4
Census Block	4108
Census Tract	960200

Owner

404 Main St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 28, EARLING, IA 51530-0028
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	404 MAIN ST, EARLING, IA 51530-5023
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170639
Date	Apr 5, 2017
Instrument	2017-0639

Lender

Name	SHELBY COUNTY STATE BANK
Type	Bank
Address	HARLAN, IA 51537

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 15, 2022

Tax Assessment & Valuation

The 2026 property tax bill for 404 Main St was $2,884 with a homeowner's exemption.

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	$2,884.00	$175,290 (-) Land $14,044 Building $161,246	$175,290 (-) Land $14,044 Building $161,246
2025		$175,290 Land $14,044 Building $161,246	$175,290 Land $14,044 Building $161,246
2024	$2,270.00
2023		$144,161 (+52.31%) Land $14,044 Building $130,117	$144,161 Land $14,044 Building $130,117
2022	$1,796.00 Homeowner's exemption	$94,647 Land $12,038 Building $82,609
2021			$94,647 Land $12,038 Building $82,609

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

Flood

FEMA maps place 404 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 404 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

Nearby Properties on Main St

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