435 E 1st St, Earlham, IA 50072 Property Records

Madison County property record for 435 E 1st St, Earlham, IA 50072

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,952 sqft · built 1885
Lot Size	0.31 acres (13,500 sqft)
Owner	Individual Name on Record
Tax Bill	$4,356 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`850000201020000`

Property Details

APN / Parcel Number

Primary APN	`850000201020000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,952 sqft Living Area
1st Floor Area	704 sqft
Basement Area	176 sqft
Unfinished Basement	176 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,500 sqft (0.31 acres)
Lot Dimensions	180 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	435 E 1ST ST
City	EARLHAM
State	IA
Zip	50072-1000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W1/2 LOTS 3-4 & 5 BLOCK 1 ALLEN'S ADDITION
Legal Subdivision	ALLENS ADD
Legal Block	1
Legal Lot Number	3-5
Jurisdiction	MADISON IA
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1096
Census Tract	60101

Owner

Source: Madison County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	435 E 1ST ST, EARLHAM, IA 50072-1000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE
Mar 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING LLC
Oct 16, 2018	Deed of Trust, Mortgage EARLHAM SAVINGS BANK
Oct 16, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 9, 2018
Transfer Doc	2018/3349
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	435 E 1ST ST, EARLHAM, IA 50072-1000
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2782
Date	Sep 21, 2022
Book Page	2022/2782
Instrument	2022 2782

Lender

Name	MUTUAL OF OMAHA MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2042

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	435 E 1ST ST, EARLHAM, IA 50072-1000
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/819
Date	Mar 22, 2022
Book Page	2022/819
Instrument	2022 819

Lender

Name	FIGURE LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 12, 2037

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	435 E 1ST ST, EARLHAM, IA 50072-1000
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000003350
Date	Oct 16, 2018
Book Page	0000002018/0000003350
Instrument	000000003350

Lender

Name	EARLHAM SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	171 Months
Due	Jan 1, 2033

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON IA
Recording Date	Oct 16, 2018
Property Address	435 E 1ST ST, EARLHAM, IA 50072-1000
Document Number	2018/3349
Book / Page	2018 / 3349
Instrument Date	Oct 9, 2018
Instrument	000000003349
Transaction Type	Transfer
Record Updated	Oct 21, 2021

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	435 E 1ST ST, EARLHAM, IA 50072-1000

Tax Assessment & Valuation

Source: Madison County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Madison County
Municipality	Earlham City
Unified School District	Earlham Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,356.00 Homeowner's exemption	$270,300 (+3.96%) Land $25,000 Building $245,300	$270,300 (+3.96%) Land $25,000 Building $245,300
2024	$4,356.00 (+15.61%)
2023		$260,000 Land $18,200 Building $241,800	$260,000 Land $18,200 Building $241,800
2022	$3,768.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 21, 2017

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	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	EARLHAM MUNICIPAL WATERWORKS serves 1,446 people · EPA ID IA6115097
Water Source	Purchased surface water from WARREN WATER DISTRICT
Last State Inspection	Apr 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: BTWI, Nextlink.

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