620 NE 3rd St, Earlham, IA 50072 Property Records

Madison County property record for 620 NE 3rd St, Earlham, IA 50072

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,536 sqft · built 1996
Lot Size	0.195 acres (8,500 sqft)
Owner	2 Individual Names on File
Last Sale	$179,900 (Jan 2019)
Tax Bill	$4,236 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`850002500080000`

Property Details

APN / Parcel Number

Primary APN	`850002500080000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,536 sqft Living Area
1st Floor Area	740 sqft
Basement Area	740 sqft
Finished Basement	500 sqft
Unfinished Basement	240 sqft
Interior Walls	Unfinished

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Frame
Lot Area	8,500 sqft (0.195 acres)
Lot Dimensions	125 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	50 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	620 NE 3RD ST
City	EARLHAM
State	IA
Zip	50072-1082
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 CLEARVIEW ESTATES PLAT 1
Legal Subdivision	CLEARVIEW ESTATES
Legal Lot Number	8
Jurisdiction	MADISON IA
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1010
Census Tract	60101

Owner

620 NE 3rd St is owned and occupied by two individuals who bought it in January 2019.

Source: Madison County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	620 NE 3RD ST, EARLHAM, IA 50072-1082
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jan 2, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2019 · Amount on File
Deed Sale	Jan 2, 2019 · Amount on File
Prior Sale	Dec 22, 2014 · Amount on File
Deed Document Number	20192
Deed Book / Page	2019 / 2
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	620 NE 3RD ST, EARLHAM, IA 50072-1082
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/2744
Date	Jul 2, 2021
Book Page	2021/2744
Instrument	2021 2744

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IA
Recording Date	Jan 2, 2019
Property Address	620 NE 3RD ST, EARLHAM, IA 50072-1082
Document Number	2019/2
Book / Page	2019 / 2
Instrument Date	Dec 27, 2018
Instrument	2019-2
Transaction Type	Transfer
Record Updated	Oct 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 NE 3RD ST, EARLHAM, IA 50072-1082

Mortgage

Document Number	00002019/3
Date	Jan 2, 2019
Book Page	2019/3
Instrument	3

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 620 NE 3rd St was $4,236 with a homeowner's exemption.

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	$4,236.00 Homeowner's exemption	$256,500 Land $24,100 Building $232,400	$256,500 Land $24,100 Building $232,400
2024	$4,236.00
2023		$253,200 Land $22,200 Building $231,000	$253,200 Land $22,200 Building $231,000
2022	$3,830.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 620 NE 3rd St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 620 NE 3rd St is low, with a 0.03% annual chance of 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.

Nearby Properties on NE 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures