Fayette County property record for 2985 245th St, Elgin, IA 52141
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 1 ba · 1,340 sqft · built 1890 |
| Lot Size | 107 acres (4,685,314 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $1,856 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0802100005 |
| Primary APN | 0802100005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,340 sqft Living Area |
| 1st Floor Area | 560 sqft |
| Basement Area | 560 sqft |
| Unfinished Basement | 560 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 4,685,314 sqft (107 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 128 sqft |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Granary | Granary |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 2985 245TH ST |
|---|---|
| City | ELGIN |
| State | IA |
| Zip | 52141-9555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | FRL W 1/2 NW, W 1/2 SW EX PCL B SW 1/4 |
| Jurisdiction | FAYETTE IA |
| Township / Civil Division | PLEASANT VALLEY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 80600 |
2985 245th St, a rural home, is owned by a company that acquired it in November 2023 and is owner-occupied.
Source: Fayette County records, as of October 20, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 2985 245TH ST, ELGIN, IA 52141-9555 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
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 |
|---|---|
| Last Transfer Date | Nov 20, 2023 |
| Transfer Doc | 0000003304 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE IA |
| Property Address | 2985 245TH ST, ELGIN, IA 52141-9555 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Title Company | TOWER TITLE & CLOSING LLC |
| Name | Verified Name |
|---|---|
| Address | 22 W ATLANTIC AVE 310, 310, DELRAY BEACH, FL 33444-3629 |
| Investor | Possibly a Property Investor |
| Document Number | 002026/478 |
|---|---|
| Date | Feb 23, 2026 |
| Book Page | 2026/478 |
| Instrument | 2026 478 |
| Name | DEUTSCHE BANK TRUST CO AMERICAS |
|---|---|
| Type | Bank |
| Address | SANTA ANA, CA 92705 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 2985 245th St was $1,856 with a homeowner's exemption.
Source: Fayette County assessment roll, as of October 6, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Fayette County |
| Unified School District | North Fayette Valley Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,856.00 | $172,240 (-3.56%) Land $119,430 Building $52,810 | $178,650 (+0.03%) Land $125,840 Building $52,810 |
| 2025 | $1,856.00 (-5.6%) Homeowner's exemption | $178,590 Land $125,840 Building $52,750 | $178,590 Land $125,840 Building $52,750 |
| 2024 | $1,966.00 | ||
| 2023 | $138,290 (+22.49%) Land $93,100 Building $45,190 | $143,400 | |
| 2022 | $1,962.00 Homeowner's exemption Additional exemption filed | $112,900 Land $77,760 Building $35,140 | |
| 2021 | $112,900 Land $77,760 Building $35,140 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2985 245th St in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1991.
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 |
|---|---|
| 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 2985 245th St is low, with a 0.02% 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 | 0.02% 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: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Acentek Fiber | 1,000 / 1,000 |
| GigFire Fixed Wireless | 150 / 130 |
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