10017 Hwy 56, Elgin, IA 52141 Property Records

Clayton County property record for 10017 Hwy 56, Elgin, IA 52141

Property Summary

Property Type	Rural Home
Details	3 bd · 4 ba · 1,419 sqft · built 1900
Lot Size	39.7 acres (1,729,332 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jan 2026)
Tax Bill	$2,232 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0906351001`

Property Details

APN / Parcel Number

Primary APN	`0906351001`
Alternative APN	`0906351002`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,419 sqft Living Area
1st Floor Area	864 sqft
Attic Area	475 sqft
Basement Area	864 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Metal
Lot Area	1,729,332 sqft (39.7 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	48 sqft
Deck Area	267 sqft
Patio Area	285 sqft
Shed	1 Shed
Granary	Granary

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	10017 HIGHWAY 56
City	ELGIN
State	IA
Zip	52141-8110
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 1 SW SW & LOT 1 NW NW 6 93 6
Legal Range	06
Legal Township	93
Legal Section	06
Legal Lot Number	1
Jurisdiction	CLAYTON IA
Township / Civil Division	HIGHLAND
Census Block Group	2
Census Block	2085
Census Tract	70300

Owner

10017 Hwy 56, a rural home, is owned and occupied by an individual who bought it in January 2026.

Source: Clayton County records, as of February 17, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	10017 HIGHWAY 56, ELGIN, IA 52141-8110
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
Jan 30, 2026	Warranty Deed, Transfer · USDA Mortgage USDA
Jan 18, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage FIDELITY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2026 · Amount on File
Deed Sale	Jan 30, 2026 · Amount on File
Prior Sale	Jan 18, 2024 · Amount on File
Deed Document Number	2026R00311
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAYTON IA
Recording Date	Jan 30, 2026
Property Address	10017 HIGHWAY 56, ELGIN, IA 52141-8110
Document Number	2026R00311
Map Reference	DOC 2026R00148
Instrument Date	Jan 26, 2026
Instrument	2026R00311
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10017 HIGHWAY 56, ELGIN, IA 52141-8110

Mortgage

Document Number	2026R00315
Date	Jan 30, 2026
Instrument	2026R00315

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jan 30, 2066

Interest

Rate	3.62%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAYTON IA
Recording Date	Jan 18, 2024
Property Address	10017 HIGHWAY 56, ELGIN, IA 52141-8110
Document Number	2024R00171
Instrument Date	Jan 17, 2024
Instrument	2024R00171
Transaction Type	Transfer
Record Updated	Feb 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10017 HIGHWAY 56, ELGIN, IA 52141-8110

Mortgage

Document Number	2024R00173
Date	Jan 18, 2024
Instrument	2024R00173

Lender

Name	FIDELITY BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	2024R00177
Date	Jan 18, 2024
Instrument	2024R00177

Lender

Name	FIDELITY BANK & TRUST
Type	Bank
Address	DUBUQUE, IA 52002

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Clayton County
Unified School District	North Fayette Valley Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$194,887 Land $78,805 Building $116,082	$194,887 Land $78,805 Building $116,082
2024	$2,232.00
2023		$128,667 Land $35,213 Building $93,454	$128,667 Land $35,213 Building $93,454
2022	$1,580.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 10017 Hwy 56 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective September 28, 2022 · 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	2 in force
Nearby Flood Claims	1 (2016)
Most Recent Claim	Aug 2016 · Severe Storms, Straight-line Winds, And Flooding

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 10017 Hwy 56 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Hwy 56

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