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

Madison County property record for 545 E 1st St, Earlham, IA 50072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,552 sqft · built 1890
Lot Size	2 acres (87,381 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Oct 2017)
Tax Bill	$5,574 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`850000202010000`

Property Details

APN / Parcel Number

Primary APN	`850000202010000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,552 sqft Living Area
1st Floor Area	736 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,381 sqft (2 acres)
Lot Dimensions	380 ft deep x 230 ft wide

Exterior Amenities

Porch	Slab
Porch Area	268 sqft
Patio Area	296 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Geothermal
Water Source	Commercial

Location & Zoning

Street Address	545 E 1ST ST
City	EARLHAM
State	IA
Zip	50072-7731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1-2-3-4-5 & ALL ST E & N BLOCK 2 ALLEN'S ADDITION
Legal Subdivision	ALLENS ADD
Legal Block	2
Legal Lot Number	1-5
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	545 E 1ST ST, EARLHAM, IA 50072-7731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 30, 2017	Warranty Deed, Transfer · Conventional Mortgage EARLHAM SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2017 · Amount on Record
Deed Sale	Oct 30, 2017 · Amount on Record
Deed Document Number	20173401
Deed Book / Page	2017 / 3401
Prior Transfer Date	Oct 27, 2017
Prior Transfer Doc	02017/3401
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	545 E 1ST ST, EARLHAM, IA 50072-7731
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/4564
Date	Nov 3, 2021
Book Page	2021/4564
Instrument	2021 4564

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2041

Interest

Rate Type	Fixed Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IA
Recording Date	Oct 30, 2017
Property Address	545 E 1ST ST, EARLHAM, IA 50072-7731
Document Number	02017/3401
Book / Page	2017 / 3401
Instrument Date	Oct 27, 2017
Instrument	2017 3401
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	545 E 1ST ST, EARLHAM, IA 50072-7731

Mortgage

Document Number	02017/3402
Date	Oct 30, 2017
Book Page	2017/3402
Instrument	2017 3402

Lender

Name	EARLHAM SAVINGS BANK
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2037

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	$5,574.00 (+101.23%) Homeowner's exemption	$353,000 (+7%) Land $70,000 Building $283,000	$353,000 (+7%) Land $70,000 Building $283,000
2024	$2,770.00 (-11.9%)
2023		$329,900 Land $51,400 Building $278,500	$329,900 Land $51,400 Building $278,500
2022	$3,144.00

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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