640 E Main St, Epworth, IA 52045 Property Records

Dubuque County property record for 640 E Main St, Epworth, IA 52045

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,298 sqft · built 2003
Lot Size	0.285 acres (12,420 sqft)
Owner	Individual Name on File
Tax Bill	$3,108 (2024)
Deeds & Mortgages	Sep 2025 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`13-12-301-025`

Property Details

APN / Parcel Number

Primary APN	`13-12-301-025`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 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	795 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	12,420 sqft (0.285 acres)
Lot Dimensions	230 ft deep x 54 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	212 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	640 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 2-9 BLOCK 3 EPWORTH ACRES;
Legal Subdivision	EPWORTH ACRES
Legal Block	3
Legal Lot Number	2-9 3
Jurisdiction	DUBUQUE IA
Township / Civil Division	TAYLOR
Census Block Group	1
Census Block	1050
Census Tract	10202

Owner

640 E Main St is owned and occupied by an individual who acquired it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	640 E MAIN ST, EPWORTH, IA 52045-9520
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2007
Deed Sale	Feb 13, 2007
Prior Sale	Feb 13, 2007
Deed Document Number	0000002006
Last Transfer Date	Sep 4, 2025
Transfer Doc	0000009515
Record Updated	Jun 7, 2026

September 2025: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	DUBUQUE IA
Recording Date	Sep 4, 2025
Property Address	640 E MAIN ST, EPWORTH, IA 52045-9520
Document Number	0000009515
Instrument Date	Aug 25, 2025
Instrument	2025-00009515
Transaction Type	Foreclosure
Record Updated	Oct 7, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.40
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 E MAIN ST, EPWORTH, IA 52045-9520

Mortgage

Document Number	0000009516
Date	Sep 4, 2025
Instrument	2025-00009516

Lender

Name	DUTRAC COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

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		$269,600 Land $29,200 Building $240,400	$269,600 Land $29,200 Building $240,400
2024	$3,108.00
2023		$244,600 (+18.54%) Land $29,200 Building $215,400	$244,600 Land $29,200 Building $215,400
2022	$2,998.00 Homeowner's exemption	$206,350 Land $29,240 Building $177,110
2021			$206,350 Land $29,240 Building $177,110

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

Flood

FEMA maps place 640 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 640 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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