12993 185th St, Elgin, IA 52141 Property Records

Clayton County property record for 12993 185th St, Elgin, IA 52141

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 768 sqft · built 1900
Lot Size	1.19 acres (51,836 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,046 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0516276003`

Property Details

APN / Parcel Number

Primary APN	`0516276003`
Alternative APN	`0516276004`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	768 sqft Living Area
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	51,836 sqft (1.19 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	12993 185TH ST
City	ELGIN
State	IA
Zip	52141-8027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE NE 16 94 6 (TO WNSHIP HALL)
Legal Lot Number	1
Jurisdiction	CLAYTON IA
Township / Civil Division	MARION
Census Block Group	1
Census Block	1054
Census Tract	70200

Owner

Source: Clayton County records, as of September 14, 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 Record
Mailing Address	12993 185TH ST, ELGIN, IA 52141-8027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK
May 8, 2023	Quit Claim Deed, Transfer · Line of Credit LUANNA SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 23, 2017
Transfer Doc	0000000938
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON IA
Recording Date	Sep 15, 2026
Property Address	12993 185TH ST, ELGIN, IA 52141-8027
Document Number	0000002761
Instrument Date	Sep 3, 2026
Instrument	20262761
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12993 185TH ST, ELGIN, IA 52141-8027

Mortgage

Document Number	0000002761,
Date	Sep 15, 2026
Instrument	20262761

Lender

Name	FIDELITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAYTON IA
Recording Date	May 8, 2023
Property Address	12993 185TH ST, ELGIN, IA 52141-8027
Document Number	2023R01222
Instrument Date	May 2, 2023
Instrument	2023R01222
Transaction Type	Transfer
Record Updated	Nov 5, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12927 AGATE RD, ELGIN, IA 52141-8028

Mortgage

Document Number	2023R01231
Date	May 8, 2023
Instrument	2023R01231

Lender

Name	LUANNA SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Mortgage

Document Number	2023R01231
Date	May 9, 2023
Instrument	2023R01231

Lender

Name	LUANNA SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Clayton County assessment roll, as of November 3, 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	$4,046.00 (+11.58%) Homeowner's exemption	$404,461 (+788.26%) Land $47,150 Building $357,311	$404,461 (+788.26%) Land $47,150 Building $357,311
2024	$3,626.00 (+5,565.63%)
2023		$45,534 Land $155 Building $45,379	$45,534 Land $155 Building $45,379
2022	$64.00

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

Flood

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	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

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	0.01% annual chance
Exposure	Direct burnable vegetation

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Alpine Communications Fiber	500 / 500

Cell Coverage

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

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