219 Main St, Elgin, IA 52141 Property Records

Fayette County property record for 219 Main St, Elgin, IA 52141

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,804 sqft · built 1905
Lot Size	0.39 acres (17,000 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Feb 2025)
Tax Bill	$1,398 (2026)
Deeds & Mortgages	May 2019 Refinance Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`0814426004`

Property Details

APN / Parcel Number

Primary APN	`0814426004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,804 sqft Living Area
1st Floor Area	787 sqft
Basement Area	807 sqft
Finished Basement	375 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,000 sqft (0.39 acres)
Lot Dimensions	200 ft deep x 85 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	126 sqft
Deck Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	219 MAIN ST
City	ELGIN
State	IA
Zip	52141-9611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 10 & 19 & E 1/2 LOTS 11 & 18 & VAC ALLEY BETWEEN BLK 4 ELGIN
Legal Subdivision	ORIGINAL TOWN ELGIN
Legal Block	4
Legal Lot Number	10-11
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	3
Census Block	3035
Census Tract	80600

Owner

219 Main St is owned and occupied by an individual who bought it in February 2025.

Source: Fayette County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	219 MAIN ST, ELGIN, IA 52141-9611
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.

Deeds, Mortgages & Sale History

Date	Document
May 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CEDAR FALLS COMMUNITY CREDIT UNION
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CEDAR FALLS COMMUNITY CU
Apr 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage CEDAR FALLS COMMUNITY CU
Feb 28, 2025	Warranty Deed, Transfer · Conventional Mortgage KERNDT BROTHERS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2025 · Amount on File
Deed Sale	Feb 28, 2025 · Amount on File
Prior Sale	May 26, 2010 · Amount on File
Deed Document Number	2025567
Deed Book / Page	2025 / 567
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	219 MAIN ST, ELGIN, IA 52141-9611
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1364
Date	May 20, 2019
Book Page	2019/1364
Instrument	1364

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2029

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	219 MAIN ST, ELGIN, IA 52141-9611
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2828
Date	Sep 14, 2020
Book Page	2020/2828
Instrument	2020-2828

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2030

Interest

Rate Type	Fixed Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	219 MAIN ST, ELGIN, IA 52141-9611
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1109
Date	Apr 13, 2022
Book Page	2022/1109
Instrument	2022-1109

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2032

Interest

Rate Type	Fixed Rate

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Feb 28, 2025
Property Address	219 MAIN ST, ELGIN, IA 52141-9611
Document Number	002025/567
Book / Page	2025 / 567
Instrument Date	Feb 28, 2025
Instrument	2025 567
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	219 MAIN ST, ELGIN, IA 52141-9611

Mortgage

Document Number	0002025627
Date	Feb 28, 2025
Instrument	2025 627

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	85 Months
Due	Mar 1, 2032

Mortgage

Document Number	002025/627
Date	Mar 5, 2025
Book Page	2025/627
Instrument	2025 627

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank
Address	LANSING, IA 52151

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Mar 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 219 Main St was $1,398.

Source: Fayette County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Fayette County
Municipality	Elgin City
Unified School District	North Fayette Valley Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,398.00	$94,410 (-) Land $11,530 Building $82,880	$94,410 (-) Land $11,530 Building $82,880
2025	$1,398.00 (+9.39%)	$94,410 Land $11,530 Building $82,880	$94,410 Land $11,530 Building $82,880
2024	$1,278.00
2023		$82,150 (+27.27%) Land $11,530 Building $70,620	$82,150 Land $11,530 Building $70,620
2022	$1,316.00	$64,550 Land $9,610 Building $54,940
2021			$64,550 Land $9,610 Building $54,940

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

Flood

FEMA maps place 219 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 March 13, 2024 · 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
Nearby Flood Policies	8 in force
Nearby Flood Claims	20 (1991–2016)
Claims Outside the SFHA	2 of 20
Most Recent Claim	Aug 2016 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 3 claims Severe Storms & Flooding, Aug 1993 · 16 claims

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

Wildfire risk around 219 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELGIN MUNICIPAL WATER SUPPLY serves 685 people · EPA ID IA3338010
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	9 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 192 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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures