19976 Cedar Rd, Elgin, IA 52141 Property Records

Fayette County property record for 19976 Cedar Rd, Elgin, IA 52141

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 1,805 sqft · built 1971
Lot Size	28.2 acres (1,228,392 sqft)
Owner	Company Name on Record
Tax Bill	$1,838 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2021 Mortgage
Flood Zone	Zone A (high risk)
APN	`0827400011`

Property Details

APN / Parcel Number

Primary APN	`0827400011`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,805 sqft Living Area
1st Floor Area	768 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,228,392 sqft (28.2 acres)
Deck Area	672 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	19976 CEDAR RD
City	ELGIN
State	IA
Zip	52141-9493
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PC 8 RDS X 40 RDS IN SW SE, S 30.77 RDS E 7/8 OF SE,
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	1
Census Block	1112
Census Tract	80600

Owner

Source: Fayette County records, as of October 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	425 OAKDALE BLVD STE 101, 101, CORALVILLE, IA 52241-3404
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Commercial Mortgage NXT BANK
Sep 20, 2021	Deed of Trust, Mortgage · Commercial Mortgage MIDWESTON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2020
Deed Sale	Dec 21, 2020
Deed Document Number	0020204083
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	19976 CEDAR RD, ELGIN, IA 52141-9493
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/4085
Date	Dec 28, 2020
Book Page	2020/4085
Instrument	2020-4085

Lender

Name	NXT BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	19976 CEDAR RD, ELGIN, IA 52141-9493
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3411
Date	Sep 20, 2021
Book Page	2021/3411
Instrument	2021-3411

Lender

Name	MIDWESTON BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 17, 2041

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Fayette 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		$172,940 (+6.76%) Land $9,850 Building $163,090	$172,940 (+4.51%) Land $9,850 Building $163,090
2024	$1,838.00 (+10.46%)
2023		$161,990 (+26.25%) Land $4,320 Building $157,670	$165,480 (+26.26%)
2022	$1,664.00 Additional exemption filed	$128,310 Land $2,790 Building $125,520
2021			$131,060

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 March 13, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
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

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

Wildfire Risk	Low lower than 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.02% 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 1 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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