227 Main St, Elgin, IA 52141 Property Records

Fayette County property record for 227 Main St, Elgin, IA 52141

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,146 sqft · built 1885
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Jul 2016)
Tax Bill	$984 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Dec 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`0814426001`

Property Details

APN / Parcel Number

Primary APN	`0814426001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,146 sqft Living Area
1st Floor Area	704 sqft
Basement Area	704 sqft
Unfinished Basement	590 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	227 MAIN ST
City	ELGIN
State	IA
Zip	52141-9611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 & W 10' LOT 13 BLK 4 ELGIN
Legal Subdivision	ELGIN
Legal Block	4
Legal Lot Number	13,14
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	3
Census Block	3035
Census Tract	80600

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	227 MAIN ST, ELGIN, IA 52141-9611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage MARINE CU
Dec 27, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2016 · Amount on Record
Deed Sale	Jul 15, 2016 · Amount on Record
Deed Document Number	20161894
Deed Book / Page	2016 / 1894
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	227 MAIN ST, ELGIN, IA 52141-9611
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/747
Date	Mar 16, 2022
Book Page	2022/747
Instrument	2022-747

Lender

Name	MARINE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 29, 2037

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	9.61%
Max Rate At Change	11.6%
Index	1-Year LIBOR

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Dec 27, 2023
Property Address	227 MAIN ST, ELGIN, IA 52141-9611
Document Number	02023/3393
Book / Page	2023 / 3393
Instrument Date	Mar 2, 2022
Instrument	2023 3393
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Amount	Amount Recorded
Tax	$8.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	227 MAIN ST, ELGIN, IA 52141-9611

Tax Assessment & Valuation

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	$984.00	$77,270 (-) Land $6,550 Building $70,720	$77,270 (-) Land $6,550 Building $70,720
2025	$984.00 (+12.33%) Homeowner's exemption	$77,270 (+16.2%) Land $6,550 Building $70,720	$77,270 (+16.2%) Land $6,550 Building $70,720
2024	$876.00 (-2.23%)
2023		$66,500 (+25.97%) Land $6,550 Building $59,950	$66,500 (+25.97%) Land $6,550 Building $59,950
2022	$896.00 Homeowner's exemption	$52,790 Land $5,460 Building $47,330
2021			$52,790 Land $5,460 Building $47,330

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 X minimal risk
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

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)

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