104 S Elder Ave, Graettinger, IA 51342 Property Records

Palo Alto County property record for 104 S Elder Ave, Graettinger, IA 51342

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,944 sqft · built 1996
Lot Size	0.752 acres (32,736 sqft)
Owner	2 Individual Names on File
Last Sale	$25,000 (Mar 2022)
Tax Bill	$2,976 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`620004001000`

Property Details

APN / Parcel Number

Primary APN	`620004001000`

Interior

Full Baths	1 Bath
Building Area	1,944 sqft Living Area
1st Floor Area	1,667 sqft
Basement Area	834 sqft
Unfinished Basement	834 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	32,736 sqft (0.752 acres)
Lot Dimensions	264 ft deep x 124 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	104 S ELDER AVE
City	GRAETTINGER
State	IA
Zip	51342-1075
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENTS SECOND ALL BLOCK 1
Legal Block	1
Jurisdiction	PALO ALTO IA
Township / Civil Division	WALNUT
Census Block Group	1
Census Block	1047
Census Tract	960200

Owner

104 S Elder Ave is owned and occupied by two individuals who bought it in March 2022.

Source: Palo Alto County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	104 S ELDER AVE, GRAETTINGER, IA 51342-1075
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Apr 26, 2018	Deed of Trust, Mortgage NORTHWEST BANK
Jan 23, 2018	Deed of Trust, Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2022 · Amount on File
Deed Sale	Mar 30, 2022 · Amount on File
Deed Document Number	2022500
Deed Book / Page	2022 / 500
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALO ALTO IA
Property Address	104 S ELDER AVE, GRAETTINGER, IA 51342-1075
Transaction Type	Mortgage
Record Updated	Jul 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2023
Date	Nov 2, 2021
Book Page	2021/2023
Instrument	2021 2023

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 15, 2031

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALO ALTO IA
Property Address	104 S ELDER AVE, GRAETTINGER, IA 51342-1075
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000879
Date	Apr 26, 2018
Book Page	0000002018/0000000879
Instrument	000000000879

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount on Record

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALO ALTO IA
Property Address	104 S ELDER AVE, GRAETTINGER, IA 51342-1075
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000146
Date	Jan 23, 2018
Book Page	0000002018/0000000146
Instrument	000000000146

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 104 S Elder Ave was $2,976 with exemptions applied.

Source: Palo Alto County assessment roll, as of October 16, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Palo Alto County
Municipality	Graettinger City
Unified School District	Graettinger-Terril Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,976.00	$214,550 (-) Land $17,710 Building $196,840	$214,550 (-) Land $17,710 Building $196,840
2025	$2,976.00 (+6.21%) Homeowner's exemption Senior Citizen's exemption	$214,550 Land $17,710 Building $196,840	$214,550 Land $17,710 Building $196,840
2024	$2,802.00
2023		$180,160 (+26.5%) Land $11,810 Building $168,350	$180,160 Land $11,810 Building $168,350
2022	$2,634.00 Homeowner's exemption	$142,420 Land $11,810 Building $130,610
2021			$142,420 Land $11,810 Building $130,610

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

Flood

FEMA maps place 104 S Elder Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 15, 2021

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 104 S Elder Ave 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 96% of the US · lower than 71% 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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
River Valley Telecommunications Cooperative Fiber	500 / 500
Starlink Satellite	280 / 30

May also be available: GigFire, Nextlink, Northwest Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Elder Ave

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