Clayton County property record for 201 N Main St, Elkader, IA 52043
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 1 ba · 7,478 sqft · built 1891 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $446,000 (Apr 2026) |
| Tax Bill | $2,640 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Construction Loan Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 2523301004 |
| Primary APN | 2523301004 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 7,478 sqft Gross Area |
| 1st Floor Area | 2,300 sqft |
| Basement Area | 2,282 sqft |
| Overhead Door | Overhead Door |
| Year Built | Built 1891 |
|---|---|
| Effective Year Built | Effective 1891 |
| Exterior Material | Brick |
| Roof Material | Tar & Gravel |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Total Buildings | 3 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 201 N MAIN ST |
|---|---|
| City | ELKADER |
| State | IA |
| Zip | 52043-7708 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | ELKADER PT LOT 4 BLK 3 |
| Legal Subdivision | ELKADER |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | BOARDMAN |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 70300 |
201 N Main St, a commercial property, is owned by a company that bought it in April 2026.
Source: Clayton County records, as of October 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 819 9TH ST SE, B, DYERSVILLE, IA 52040-2325 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 17, 2026 | Warranty Deed, Transfer · Construction Mortgage COMMUNITY SAVINGS BANK |
| Mar 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM BANK |
| Mar 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage FREEDOM BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2026 · Amount on File |
| Deed Sale | Apr 17, 2026 · Amount on File |
| Prior Sale | Mar 1, 2021 · Amount on File |
| Deed Document Number | 20261061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Apr 17, 2026 |
| Property Address | 201 N MAIN ST, ELKADER, IA 52043-7708 |
| Document Number | 0000001061 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026.1061 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $71,992.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 819 9TH ST SE, DYERSVILLE, IA 52040-2325 |
| Document Number | 2026R01070, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 2026.1070 |
| Name | COMMUNITY SAVINGS BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 6 Months |
| Due | Oct 17, 2026 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 201 N MAIN ST, ELKADER, IA 52043-7708 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2022R00841 |
|---|---|
| Date | Mar 4, 2022 |
| Instrument | 2022R00841 |
| Name | FREEDOM BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 9 Months |
| Due | Dec 15, 2022 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | Mar 1, 2021 |
| Property Address | 201 N MAIN ST, ELKADER, IA 52043-7708 |
| Document Number | 2021R00883 |
| Instrument Date | Mar 1, 2021 |
| Instrument | 2021R00883 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $199.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 86, ELKADER, IA 52043-0086 |
| Document Number | 2021R00931 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 2021R00931 |
| Name | FREEDOM BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Feb 15, 2026 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 201 N Main St was $2,640, down 42.1% from the year before.
Source: Clayton County assessment roll, as of November 3, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clayton County |
| Municipality | Elkader City |
| Unified School District | Central Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,640.00 (-42.05%) | $208,860 Land $18,150 Building $190,710 | $208,860 Land $18,150 Building $190,710 |
| 2024 | $4,556.00 | ||
| 2023 | $182,290 Land $16,500 Building $165,790 | $182,290 Land $16,500 Building $165,790 | |
| 2022 | $3,142.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 201 N Main St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 73 (1979–2021) |
| Claims Outside the SFHA | 6 of 73 |
| Most Recent Claim | Aug 2021 · river or lake flooding |
| Claims by Event |
|
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 risk around 201 N 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELKADER MUNI WATER DEPT serves 1,219 people · EPA ID IA2223011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 157 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Alpine Communications Fiber | 500 / 500 |
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