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

Madison County property record for 505 E 1st St, Earlham, IA 50072

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,944 sqft · built 2003
Lot Size	0.219 acres (9,518 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,462 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`850000200022000`

Property Details

APN / Parcel Number

Primary APN	`850000200022000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,944 sqft Living Area
1st Floor Area	824 sqft
Basement Area	824 sqft
Unfinished Basement	824 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,518 sqft (0.219 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	334 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	505 E 1ST ST
City	EARLHAM
State	IA
Zip	50072-7731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 REPLAT LTS 6-8 &S20'LT 9 &20'E OF TR ALLEN'S ADDN ALLEN'S ADDITION
Legal Subdivision	ALLENS ADD
Legal Lot Number	2,6-9
Jurisdiction	MADISON IA
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1010
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	2 Individual Names on Record
Mailing Address	505 E 1ST ST, EARLHAM, IA 50072-7731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY CHOICE CREDIT UNION
Oct 11, 2022	Deed of Trust, Mortgage · Line of Credit COMMUNITY CHOICE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Recording Date	Apr 16, 2026
Property Address	505 E 1ST ST, EARLHAM, IA 50072-7731
Document Number	0000001054
Book / Page	2026 / 1054
Instrument Date	Apr 15, 2026
Instrument	20261054
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	505 E 1ST ST, EARLHAM, IA 50072-7731

Mortgage

Document Number	0000001054,
Date	Apr 16, 2026
Book Page	2026/1054
Instrument	20261054

Lender

Name	COMMUNITY CHOICE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	505 E 1ST ST, EARLHAM, IA 50072-7731
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2966
Date	Oct 11, 2022
Book Page	2022/2966
Instrument	2022 2966

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$5,462.00 Homeowner's exemption	$345,600 (+2.49%) Land $23,500 Building $322,100	$345,600 (+2.49%) Land $23,500 Building $322,100
2024	$5,462.00 (+7.82%)
2023		$337,200 Land $17,100 Building $320,100	$337,200 Land $17,100 Building $320,100
2022	$5,066.00

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	0.03% 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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