404 Valley Dr, Earling, IA 51530 Property Records

Shelby County property record for 404 Valley Dr, Earling, IA 51530

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,681 sqft · built 1994
Lot Size	0.517 acres (22,500 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Apr 2021)
Tax Bill	$7,276 (2026)
Deeds & Mortgages	Apr 2008 Mortgage Mar 2007 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`832307000211`

Property Details

APN / Parcel Number

Primary APN	`832307000211`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,681 sqft Living Area
Basement Area	1,681 sqft
Finished Basement	1,500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,500 sqft (0.517 acres)
Lot Dimensions	150 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	300 sqft
Deck Area	447 sqft
Patio Area	95 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	404 VALLEY DR
City	EARLING
State	IA
Zip	51530-5455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SULLIVANS SD LTS 21 & 22
Legal Subdivision	SULLIVANS SD
Legal Lot Number	21,22
Jurisdiction	SHELBY IA
Township / Civil Division	UNION
Census Block Group	4
Census Block	4108
Census Tract	960200

Owner

404 Valley Dr is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	404 VALLEY DR, EARLING, IA 51530-5455
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 14, 2008	Deed of Trust, Mortgage US BANK NA
Mar 20, 2007	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CAPITAL ONE HOME LOANS LLC
Mar 23, 2011	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Mar 6, 2013	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Apr 5, 2021	Warranty Deed, Transfer · Conventional Mortgage SHELBY COUNTY STATE BANK
Sep 12, 2019	Quit Claim Deed, Transfer · ARM SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2021 · Amount on File
Deed Sale	Apr 5, 2021 · Amount on File
Deed Document Number	2021732
Prior Transfer Date	May 22, 2019
Prior Transfer Doc	0020191425
Record Updated	Oct 29, 2026

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	404 VALLEY DR, EARLING, IA 51530-5455
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020081020
Date	Apr 14, 2008
Instrument	2008-1020

Lender

Name	US BANK NA
Type	Bank
Address	OMAHA, NE 68102

Agreement

Amount	Amount on Record

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	404 VALLEY DR, EARLING, IA 51530-5455
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020070710
Date	Mar 20, 2007
Instrument	2007-0710

Lender

Name	CAPITAL ONE HOME LOANS LLC
Type	Lending Institution
Address	OVERLAND PARK, KS 66213

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 5, 2027

March 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	404 VALLEY DR, EARLING, IA 51530-5455
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020110675
Date	Mar 23, 2011
Instrument	2011-0675

Lender

Name	FARMERS TRUST & SAVINGS BANK
Address	EARLING, IA 51530

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2026

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	404 VALLEY DR, EARLING, IA 51530-5455
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020130528
Date	Mar 6, 2013
Instrument	2013-0528

Lender

Name	FARMERS TRUST & SAVINGS BANK
Address	EARLING, IA 51530

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2028

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Apr 5, 2021
Property Address	404 VALLEY DR, EARLING, IA 51530-5455
Document Number	0020210732
Instrument Date	Mar 9, 2021
Instrument	2021-0732
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 VALLEY DR, EARLING, IA 51530-5455

Mortgage

Document Number	0020210733
Date	Apr 5, 2021
Instrument	2021-0733

Lender

Name	SHELBY COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHELBY IA
Recording Date	Sep 12, 2019
Property Address	404 VALLEY DR, EARLING, IA 51530-5455
Document Number	0020191425
Instrument Date	May 22, 2019
Instrument	2019-1425
Transaction Type	Transfer
Record Updated	Mar 3, 2023

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
Address	404 VALLEY DR, EARLING, IA 51530-5455

Mortgage

Document Number	0020191426
Date	Sep 12, 2019
Instrument	2019-1426

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	ARM
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.2%
Type Change Date	Sep 1, 2020
Index	1-Year LIBOR
Margin	2

Tax Assessment & Valuation

The 2026 property tax bill for 404 Valley Dr was $7,276 with a homeowner's exemption, up 23.3% 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	$7,276.00 (+23.32%)	$388,729 (-) Land $23,875 Building $364,854	$388,729 (-) Land $23,875 Building $364,854
2025	$5,900.00 Homeowner's exemption	$388,729 Land $23,875 Building $364,854	$388,729 Land $23,875 Building $364,854
2024	$5,900.00
2023		$322,704 (+48.1%) Land $23,875 Building $298,829	$322,704 Land $23,875 Building $298,829
2022	$4,376.00 Homeowner's exemption	$217,903 Land $20,464 Building $197,439
2021			$217,903 Land $20,464 Building $197,439

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

Flood

FEMA maps place 404 Valley Dr 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 Valley Dr 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 97% of the US · lower than 76% 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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