406 Ave M St, Irwin, IA 51446 Property Records

Shelby County property record for 406 Ave M St, Irwin, IA 51446

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 884 sqft · built 1957
Lot Size	0.285 acres (12,400 sqft)
Owner	Individual Name on File
Last Sale	$38,000 (Oct 2023)
Tax Bill	$802 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`832104000022`

Property Details

APN / Parcel Number

Primary APN	`832104000022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
Basement Area	884 sqft
Finished Basement	750 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	12,400 sqft (0.285 acres)
Lot Dimensions	248 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	406 AVE M ST
City	IRWIN
State	IA
Zip	51446-7555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	36-81-38 ASD NE NE S 50' LT 2
Legal Range	38W
Legal Township	81N
Legal Section	36
Legal Subdivision	AUDITORS SUBDIVISION
Legal Lot Number	2
Jurisdiction	SHELBY IA
Township / Civil Division	GREELEY
Census Block Group	4
Census Block	4041
Census Tract	960100

Owner

406 Ave M St is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	406 AVE M ST, IRWIN, IA 51446-7555
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
Jun 5, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Oct 20, 2023	Legal Action/Court Order, Foreclosure · Line of Credit SHELBY COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2023 · Amount on File
Deed Sale	Oct 20, 2023 · Amount on File
Deed Document Number	20231680
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Recording Date	Jun 5, 2026
Property Address	406 AVE M ST, IRWIN, IA 51446-7555
Document Number	0000000986
Instrument Date	May 29, 2026
Instrument	2026986
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 AVE M ST, IRWIN, IA 51446-7555

Mortgage

Document Number	0000000986,
Date	Jun 5, 2026
Instrument	2026986

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2056

Interest

Rate	6.3%
Max Rate	-1%

October 2023: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	SHELBY IA
Recording Date	Oct 20, 2023
Property Address	406 AVE M ST, IRWIN, IA 51446-7555
Document Number	0020231680
Map Reference	DOC 2023-1289
Instrument Date	Oct 18, 2023
Instrument	2023-1680
Transaction Type	Foreclosure
Record Updated	Dec 1, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 AVE M ST, IRWIN, IA 51446-7555

Mortgage

Document Number	0020231681
Date	Oct 20, 2023
Instrument	2023-1681

Lender

Name	SHELBY COUNTY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 20, 2043

Tax Assessment & Valuation

The 2026 property tax bill for 406 Ave M St was $802, down 16.6% from the year before.

Source: Shelby County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Shelby County
Municipality	Irwin City
Unified School District	IKM-Manning Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$802.00 (-16.63%)	$60,039 (-) Land $6,000 Building $54,039	$60,039 (-) Land $6,000 Building $54,039
2025	$962.00	$60,039 Land $6,000 Building $54,039	$60,039 Land $6,000 Building $54,039
2024	$962.00
2023		$58,102 (+51.94%) Land $6,000 Building $52,102	$58,102 Land $6,000 Building $52,102
2022	$712.00	$38,240 Land $6,000 Building $32,240
2021			$38,240 Land $6,000 Building $32,240

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

Flood

FEMA maps place 406 Ave M St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 16, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 406 Ave M St is low, with less than 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 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	IRWIN MUNICIPAL SUPPLY serves 313 people · EPA ID IA8340099
Water Source	Purchased groundwater from WEST CENTRAL RWA - NISH SYSTEM
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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 Ave M St

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