406 4th Ave, Earling, IA 51530 Property Records

Shelby County property record for 406 4th Ave, Earling, IA 51530

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 1,782 sqft · built 2004
Lot Size	0.326 acres (14,200 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,056 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`832305003331`

Property Details

APN / Parcel Number

Primary APN	`832305003331`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,782 sqft Living Area
Basement Area	1,782 sqft
Finished Basement	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,200 sqft (0.326 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	81 sqft
Patio Area	337 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	406 4TH AVE
City	EARLING
State	IA
Zip	51530-5415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KOHLES 1ST ADD LTS 33-36 BLK 3
Legal Subdivision	KOHLES 1ST ADD
Legal Block	3
Legal Lot Number	33-36
Jurisdiction	SHELBY IA
Township / Civil Division	UNION
Census Block Group	4
Census Block	4107
Census Tract	960200

Owner

406 4th Ave 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 241, EARLING, IA 51530-0241
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
Dec 26, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT COM LLC
Jun 27, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

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

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	406 4TH AVE, EARLING, IA 51530-5415
Transaction Type	Mortgage
Record Updated	Jan 24, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 4TH AVE, EARLING, IA 51530-5415

Mortgage

Document Number	0020232035
Date	Dec 26, 2023
Instrument	2023-2035

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 25, 2033

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	406 4TH AVE, EARLING, IA 51530-5415
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020210382
Date	Feb 18, 2021
Instrument	2021-0382

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2031

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	406 4TH AVE, EARLING, IA 51530-5415
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20171214
Date	Jun 27, 2017
Instrument	2017-1214

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 406 4th Ave was $6,056 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	$6,056.00	$325,338 (-) Land $21,000 Building $304,338	$325,338 (-) Land $21,000 Building $304,338
2025		$325,338 Land $21,000 Building $304,338	$325,338 Land $21,000 Building $304,338
2024	$4,956.00
2023		$272,683 (+46.36%) Land $21,000 Building $251,683	$272,683 Land $21,000 Building $251,683
2022	$3,714.00 Homeowner's exemption	$186,311 Land $21,000 Building $165,311
2021			$186,311 Land $21,000 Building $165,311

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

Flood

FEMA maps place 406 4th Ave 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 406 4th Ave is low, with a 0.04% annual chance of wildfire.

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	0.04% annual chance
Exposure	Direct burnable vegetation

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 23 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

Cell Coverage

5G (outdoors only) and 4G LTE

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