508 Harmon St, Irwin, IA 51446 Property Records

Shelby County property record for 508 Harmon St, Irwin, IA 51446

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,372 sqft · built 1900
Lot Size	0.975 acres (42,472 sqft)
Owner	2 Individual Names on Record
Last Sale	$76,500 (Jan 2015)
Tax Bill	$1,430 (2024)
Deeds & Mortgages	Nov 2017 Reverse Mortgage Nov 2017 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`832108000033`

Property Details

APN / Parcel Number

Primary APN	`832108000033`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,372 sqft Living Area
1st Floor Area	912 sqft
Attic	Attic
Attic Area	370 sqft
Basement Area	912 sqft
Finished Basement	700 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	42,472 sqft (0.975 acres)
Garage Type	Attached
Garage Area	1,088 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	192 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	508 HARMON ST
City	IRWIN
State	IA
Zip	51446-7557
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	31-81-37 LT 3 REPL LT 3 ASD NW NW & LT 4 ASD NE NE OF 36-81-38
Legal Subdivision	REPLAT OF LOT 3 ASD NW NW 31-81-37
Legal Lot Number	3,4
Jurisdiction	SHELBY IA
Township / Civil Division	JEFFERSON
Census Block Group	4
Census Block	4042
Census Tract	960100

Owner

Source: Shelby County records, as of January 26, 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	PO BOX 241, HARLAN, IA 51537-0241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2017	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Nov 13, 2017	Deed of Trust, Mortgage · Reverse Mortgage COMMISSIONER OF HOUSING AND URBAN DEVELO
Jun 30, 2009	Deed of Trust, Mortgage · Conventional Mortgage SHELBY COUNTY STATE BANK
Nov 13, 2006	Deed of Trust, Mortgage · Conventional Mortgage SHELBY COUNTY STATE BANK
Jul 11, 2011	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2015 · Amount on Record
Deed Sale	Jan 22, 2015 · Amount on Record
Deed Document Number	0020150107
Prior Transfer Date	Jul 11, 2011
Prior Transfer Doc	2011-1426
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	508 HARMON ST, IRWIN, IA 51446-7557
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020172109
Date	Nov 13, 2017
Instrument	2017-2109

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	899 Months
Due	Oct 17, 2092

Interest

Rate Type	Adjustable Rate
Rate	4.76%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR
Max Rate	9.76%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	508 HARMON ST, IRWIN, IA 51446-7557
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020172110
Date	Nov 13, 2017
Instrument	2017-2110

Lender

Name	COMMISSIONER OF HOUSING AND URBAN DEVELO
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	899 Months
Due	Oct 17, 2092

Interest

Rate Type	Adjustable Rate
Rate	4.76%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR
Max Rate	9.76%

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	508 HARMON ST, IRWIN, IA 51446-7557
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0020091740
Date	Jun 30, 2009
Instrument	2009-1740

Lender

Name	SHELBY COUNTY STATE BANK
Address	HARLAN, IA 51537

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IA
Property Address	508 HARMON ST, IRWIN, IA 51446-7557
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0020063126
Date	Nov 13, 2006
Instrument	2006-3126

Lender

Name	SHELBY COUNTY STATE BANK
Address	HARLAN, IA 51537

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IA
Recording Date	Jul 11, 2011
Property Address	508 HARMON ST, IRWIN, IA 51446-7557
Document Number	0020111426
Instrument Date	Jun 24, 2011
Instrument	2011-1426
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 CORA ST, IRWIN, IA 51446-7566

Mortgage

Document Number	0020111427
Date	Jul 11, 2011
Instrument	2011-1427

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2041

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of May 1, 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
2025		$101,170 (+4.7%) Land $13,969 Building $87,201	$101,170 (+4.7%) Land $13,969 Building $87,201
2024	$1,430.00 (+39.38%)
2023		$96,625 (+50.98%) Land $13,969 Building $82,656	$96,625 (+50.98%) Land $13,969 Building $82,656
2022	$1,026.00 Homeowner's exemption	$63,999 Land $13,969 Building $50,030
2021			$63,999 Land $13,969 Building $50,030

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 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

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

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