638 E Main St, Epworth, IA 52045 Property Records

Dubuque County property record for 638 E Main St, Epworth, IA 52045

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,298 sqft · built 2003
Lot Size	0.211 acres (9,204 sqft)
Owner	2 Owner Names on File
Last Sale	$130,000 (Nov 2008)
Tax Bill	$2,948 (2024)
Deeds & Mortgages	Jan 2023 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-12-301-024`

Property Details

APN / Parcel Number

Primary APN	`13-12-301-024`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,298 sqft Living Area
1st Floor Area	1,298 sqft
Basement Area	1,298 sqft
Finished Basement	719 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Architectural Style	Other
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,204 sqft (0.211 acres)
Lot Dimensions	177 ft deep x 52 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	12 sqft
Deck Area	217 sqft
Patio Area	78 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	638 E MAIN ST
City	EPWORTH
State	IA
Zip	52045-9520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CO
Legal Description	LOT 1-9 BLOCK 3 EPWORTH ACRES;
Legal Subdivision	EPWORTH ACRES
Legal Block	3
Legal Lot Number	1-9 2
Jurisdiction	DUBUQUE IA
Township / Civil Division	TAYLOR
Census Block Group	1
Census Block	1050
Census Tract	10202

Owner

The current owner of 638 E Main St bought it in November 2008.

Source: Dubuque County records, as of October 6, 2025

Owner of Record	2 Owner Names on File
Mailing Address	638 E MAIN ST, EPWORTH, IA 52045-9520
Occupancy	Owner Occupied

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
Jan 24, 2023	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Feb 9, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 5, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 28, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2008 · Amount on File
Deed Sale	Nov 10, 2008 · Amount on File
Deed Document Number	0000815896
Deed Book / Page	08 / 15896
Record Updated	Jun 7, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	638 E MAIN ST, EPWORTH, IA 52045-9520
Transaction Type	Mortgage
Record Updated	Feb 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000685
Date	Jan 24, 2023
Instrument	2023-00000685

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52001

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	638 E MAIN ST, EPWORTH, IA 52045-9520
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002180
Date	Feb 9, 2021
Instrument	2021-00002180

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	328 Months
Due	Jun 1, 2048

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	638 E MAIN ST, EPWORTH, IA 52045-9520
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000919
Date	Jan 24, 2018
Instrument	2018-00000919

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	638 E MAIN ST, EPWORTH, IA 52045-9520
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013676
Date	Nov 5, 2019
Instrument	2019-00013676

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	341 Months
Due	Apr 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUBUQUE IA
Property Address	638 E MAIN ST, EPWORTH, IA 52045-9520
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012889
Date	Aug 28, 2020
Instrument	2020-00012889

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	334 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Dubuque County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Dubuque County
Municipality	Epworth City
Unified School District	Western Dubuque County Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$256,600 Land $26,400 Building $230,200	$256,600 Land $26,400 Building $230,200
2024	$2,948.00
2023		$232,600 (+24.3%) Land $26,400 Building $206,200	$232,600 Land $26,400 Building $206,200
2022	$2,706.00 Homeowner's exemption	$187,130 Land $26,430 Building $160,700
2021			$187,130 Land $26,430 Building $160,700

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

Flood

FEMA maps place 638 E Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 9, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 638 E Main St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	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	EPWORTH WATER SUPPLY serves 2,023 people · EPA ID IA3133033
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	6 ppb (2024–2026) 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ImOn Communications Fiber	1,000 / 1,000
Maquoketa Valley Electric Cooperative Fiber	1,000 / 1,000
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Comelec Internet Services Fixed Wireless	250 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Main St

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