407 Main St, Earling, IA 51530 Property Records

Shelby County property record for 407 Main St, Earling, IA 51530

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 651 sqft · built 1948
Lot Size	0.099 acres (4,320 sqft)
Owner	Individual Name on File
Last Sale	$42,000 (May 2019)
Tax Bill	$1,080 (2026)
Deeds & Mortgages	Apr 2018 Line of Credit May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`832303000040`

Property Details

APN / Parcel Number

Primary APN	`832303000040`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	651 sqft Living Area
Basement Area	651 sqft
Unfinished Basement	651 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,320 sqft (0.099 acres)
Lot Dimensions	80 ft deep x 54 ft wide
Porch	Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	407 MAIN ST
City	EARLING
State	IA
Zip	51530-5023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	32-81-39 ASD PT S 1/2 SW SW LT 4 .10 AC
Legal Range	39W
Legal Township	81N
Legal Section	32
Legal Subdivision	ASD S 1/2 SW SW 32-81-39
Legal Lot Number	4
Jurisdiction	SHELBY IA
Township / Civil Division	UNION
Census Block Group	4
Census Block	4109
Census Tract	960200

Owner

407 Main St is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	407 MAIN ST, EARLING, IA 51530-5023
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
Apr 6, 2018	Deed of Trust, Mortgage · Line of Credit SHELBY STATE BANK
May 17, 2019	Warranty Deed, Transfer · FHA Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2019 · Amount on File
Deed Sale	May 17, 2019 · Amount on File
Deed Document Number	2019722
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	407 MAIN ST, EARLING, IA 51530-5023
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180557
Date	Apr 6, 2018
Instrument	2018-0557

Lender

Name	SHELBY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2048

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	May 17, 2019
Property Address	407 MAIN ST, EARLING, IA 51530-5023
Document Number	20190722
Instrument Date	May 8, 2019
Instrument	2019-0722
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	407 MAIN ST, EARLING, IA 51530-5023
Investor	Possibly a Property Investor

Mortgage

Document Number	0020190723
Date	May 17, 2019
Instrument	2019-0723

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 407 Main St was $1,080 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	$1,080.00	$66,929 (-) Land $7,938 Building $58,991	$66,929 (-) Land $7,938 Building $58,991
2025		$66,929 Land $7,938 Building $58,991	$66,929 Land $7,938 Building $58,991
2024	$866.00
2023		$56,048 (+45.51%) Land $7,938 Building $48,110	$56,048 Land $7,938 Building $48,110
2022	$620.00 Homeowner's exemption	$38,519 Land $6,804 Building $31,715
2021			$38,519 Land $6,804 Building $31,715

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

Flood

FEMA maps place 407 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 407 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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