Howard County property record for 210 Forest St, Elma, IA 50628
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,332 sqft · built 1898 |
| Lot Size | 0.144 acres (6,273 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $15,000 (Oct 2019) |
| Tax Bill | $1,008 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Sep 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 300011705000000 |
| Primary APN | 300011705000000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,332 sqft Living Area |
| Basement Area | 572 sqft |
| Unfinished Basement | 712 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 6,273 sqft (0.144 acres) |
| Garage Type | Detached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 174 sqft |
| Deck Area | 176 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 210 FOREST ST |
|---|---|
| City | ELMA |
| State | IA |
| Zip | 50628-8002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLK 17 ELMA CORP |
| Legal Subdivision | TOWN OF ELMA |
| Legal Block | 17 |
| Legal Lot Number | 5 |
| Jurisdiction | HOWARD IA |
| Township / Civil Division | HOWARD |
| Census Block Group | 2 |
| Census Block | 2168 |
| Census Tract | 960300 |
210 Forest St is owned and occupied by two individuals who bought it in October 2019.
Source: Howard County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 210 FOREST ST, ELMA, IA 50628-8002 |
| 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.
| Date | Document |
|---|---|
| Aug 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK |
| Sep 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK |
| Oct 7, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST CITIZENS COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2019 · Amount on File |
| Deed Sale | Oct 7, 2019 · Amount on File |
| Deed Document Number | 20191452 |
| Deed Book / Page | 2019 / 1452 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD IA |
| Recording Date | Aug 24, 2026 |
| Property Address | 210 FOREST ST, ELMA, IA 50628-8002 |
| Document Number | 0000001205 |
| Book / Page | 2026 / 1205 |
| Instrument Date | Aug 18, 2026 |
| Instrument | 20261205 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 217 GROVE ST, ELMA, IA 50628-8021 |
| Document Number | 0000001205, |
|---|---|
| Date | Aug 24, 2026 |
| Book Page | 2026/1205 |
| Instrument | 20261205 |
| Name | FIRST CITIZENS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 18, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD IA |
| Property Address | 210 FOREST ST, ELMA, IA 50628-8002 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/1480 |
|---|---|
| Date | Sep 19, 2022 |
| Book Page | 2022/1480 |
| Instrument | 2022 1480 |
| Name | FIRST CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 19, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HOWARD IA |
| Recording Date | Oct 7, 2019 |
| Property Address | 210 FOREST ST, ELMA, IA 50628-8002 |
| Document Number | 02019/1452 |
| Book / Page | 2019 / 1452 |
| Instrument Date | Oct 1, 2019 |
| Instrument | 1452 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 68, ALTA VISTA, IA 50603-0068 |
| Document Number | 02019/1456 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 2019/1456 |
| Instrument | 1456 |
| Name | FIRST CITIZENS COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 210 Forest St was $1,008 with a homeowner's exemption.
Source: Howard County assessment roll, as of October 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Howard County |
| Municipality | Elma City |
| Unified School District | Howard-Winneshiek Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,008.00 | $67,840 (-) Land $3,530 Building $64,310 | $67,840 (-) Land $3,530 Building $64,310 |
| 2025 | $1,008.00 (-4.36%) Homeowner's exemption | $67,840 Land $3,530 Building $64,310 | $67,840 Land $3,530 Building $64,310 |
| 2024 | $1,054.00 | ||
| 2023 | $59,770 (+33.44%) Land $3,530 Building $56,240 | $59,770 Land $3,530 Building $56,240 | |
| 2022 | $912.00 Homeowner's exemption | $44,790 Land $3,530 Building $41,260 | |
| 2021 | $44,790 Land $3,530 Building $41,260 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 210 Forest St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 6 (1993–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Aug 2021 · rainfall accumulation |
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 210 Forest St is low, with less than 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 99.8% of the US · lower than 98.1% of Iowa |
|---|---|
| Wildfire Likelihood | Under 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 | ELMA WATER SUPPLY serves 505 people · EPA ID IA4525017 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 5 ppb (2024–2026) 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 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Windstream DSL | 200 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| Nextlink Fixed Wireless | 100 / 20 |
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