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

Madison County property record for 450 E 1st St, Earlham, IA 50072

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,497 sqft · built 1890
Lot Size	0.482 acres (21,000 sqft)
Owner	Individual Name on Record
Last Sale	$142,500 (Jun 2019)
Tax Bill	$2,932 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`850000204010000`

Property Details

APN / Parcel Number

Primary APN	`850000204010000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,497 sqft Living Area
1st Floor Area	784 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,000 sqft (0.482 acres)
Lot Dimensions	140 ft deep x 150 ft wide
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	80 sqft
Patio Area	63 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	450 E 1ST ST
City	EARLHAM
State	IA
Zip	50072-1000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 & 2 N1/2 LOT 3 BLOCK 4 EX S10' N1/2 LOT 3 ALLEN'S ADDITION
Legal Subdivision	ALLENS ADD
Legal Block	4
Legal Lot Number	1-3
Jurisdiction	MADISON IA
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1097
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	450 E 1ST ST, EARLHAM, IA 50072-1000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA
Jun 3, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2019 · Amount on Record
Deed Sale	Jun 3, 2019 · Amount on Record
Deed Document Number	20191600
Deed Book / Page	2019 / 1600
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	450 E 1ST ST, EARLHAM, IA 50072-1000
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/3265
Date	Aug 5, 2021
Book Page	2021/3265
Instrument	2021 3265

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 25, 2026

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IA
Recording Date	Jun 3, 2019
Property Address	450 E 1ST ST, EARLHAM, IA 50072-1000
Document Number	2019/1600
Book / Page	2019 / 1600
Instrument Date	May 24, 2019
Instrument	1600
Transaction Type	Transfer
Record Updated	Oct 21, 2021

Transaction

Amount	Amount Recorded
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	450 E 1ST ST, EARLHAM, IA 50072-1000

Mortgage

Document Number	02019/1601
Date	Jun 3, 2019
Book Page	2019/1601
Instrument	1601

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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	$2,932.00 Homeowner's exemption	$202,300 (+13.4%) Land $46,300 Building $156,000	$202,300 (+13.4%) Land $46,300 Building $156,000
2024	$2,932.00 (+13.91%)
2023		$178,400 Land $25,200 Building $153,200	$178,400 Land $25,200 Building $153,200
2022	$2,574.00

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 67% of the US · above 58% 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	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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