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

Madison County property record for 515 E 1st St, Earlham, IA 50072

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,712 sqft · built 1890
Lot Size	0.36 acres (15,670 sqft)
Owner	Individual Name on Record
Last Sale	$275,400 (Sep 2024)
Tax Bill	$3,940 (2025)
Deeds & Mortgages	Sep 2024 Mortgage Mar 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`850000200021000`

Property Details

APN / Parcel Number

Primary APN	`850000200021000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,712 sqft Living Area
1st Floor Area	722 sqft
Basement Area	361 sqft
Unfinished Basement	361 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	15,670 sqft (0.36 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	193 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	515 E 1ST ST
City	EARLHAM
State	IA
Zip	50072-7731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 RICHARD WALTER SUB. (REPLAT OF LT 6 7,8 ALLEN) ALLEN ADDITION
Legal Subdivision	ALLEN ADD
Legal Lot Number	1,6-8
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	Individual Name on Record
Mailing Address	2168 ADAMS UNION AVE, KENT, IA 50851-9032
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Mar 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE CORP
Nov 20, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2024 · Amount on Record
Deed Sale	Sep 9, 2024 · Amount on Record
Prior Sale	Mar 28, 2023 · Amount on Record
Deed Document Number	20242183
Deed Book / Page	2024 / 2183
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	515 E 1ST ST, EARLHAM, IA 50072-7731
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E 1ST ST, EARLHAM, IA 50072-7731

Mortgage

Document Number	02024/2362
Date	Sep 30, 2024
Book Page	2024/2362
Instrument	2024 2362

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	515 E 1ST ST, EARLHAM, IA 50072-7731
Transaction Type	Mortgage
Record Updated	Apr 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/620
Date	Mar 28, 2023
Book Page	2023/620
Instrument	2023 620

Lender

Name	WINTRUST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IA
Recording Date	Nov 20, 2019
Property Address	515 E 1ST ST, EARLHAM, IA 50072-7731
Document Number	02019/3702
Book / Page	2019 / 3702
Instrument Date	Nov 14, 2019
Instrument	3702
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
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	515 E 1ST ST, EARLHAM, IA 50072-7731
Investor	Possibly a Property Investor

Mortgage

Document Number	02019/3703
Date	Nov 20, 2019
Book Page	2019/3703
Instrument	3703

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 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	$3,940.00	$239,300 (+5.88%) Land $28,300 Building $211,000	$239,300 (+5.88%) Land $28,300 Building $211,000
2024	$3,940.00 (+1.7%)
2023		$226,000 Land $18,500 Building $207,500	$226,000 Land $18,500 Building $207,500
2022	$3,874.00

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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