Fayette County property record for 225 Main St, Elgin, IA 52141
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,216 sqft · built 1885 |
| Lot Size | 0.207 acres (9,010 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $364 (2026) |
| Deeds & Mortgages | Dec 2017 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 0814426002 |
| Primary APN | 0814426002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,216 sqft Living Area |
| 1st Floor Area | 624 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 624 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1885 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,010 sqft (0.207 acres) |
| Lot Dimensions | 200 ft deep x 28 ft wide |
| Porch | Porch |
| Porch Area | 120 sqft |
| Patio Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 225 MAIN ST |
|---|---|
| City | ELGIN |
| State | IA |
| Zip | 52141-9611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 4/5 LOTS 13 & 16 & VAC ALLEY ADJ ON E BLK 4, ELGIN EX TO CITY |
| Legal Block | 4 |
| Legal Lot Number | 13,16 |
| Jurisdiction | FAYETTE IA |
| Township / Civil Division | PLEASANT VALLEY |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 80600 |
225 Main St is owned and occupied by two individuals.
Source: Fayette County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 225 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE IA |
| Property Address | 225 MAIN ST, ELGIN, IA 52141-9611 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/3427 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 2017/3427 |
| Instrument | 2017 3427 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 7, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 225 Main St was $364 with a homeowner's exemption.
Source: Fayette County assessment roll, as of October 6, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Fayette County |
| Municipality | Elgin City |
| Unified School District | North Fayette Valley Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $364.00 | $44,420 (-) Land $6,570 Building $37,850 | $44,420 (-) Land $6,570 Building $37,850 |
| 2025 | $364.00 (+14.47%) Homeowner's exemption | $44,420 Land $6,570 Building $37,850 | $44,420 Land $6,570 Building $37,850 |
| 2024 | $318.00 | ||
| 2023 | $39,060 (+26.29%) Land $6,570 Building $32,490 | $39,060 Land $6,570 Building $32,490 | |
| 2022 | $380.00 Homeowner's exemption | $30,930 Land $5,470 Building $25,460 | |
| 2021 | $30,930 Land $5,470 Building $25,460 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 225 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 |
|
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 225 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.
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 |
| 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 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 |
5G and 4G LTE (outdoors only)
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