303 Main St, Elgin, IA 52141 Property Records

Fayette County property record for 303 Main St, Elgin, IA 52141

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,641 sqft · built 1950
Lot Size	0.113 acres (4,920 sqft)
Owner	Individual Name on Record
Tax Bill	$1,714 (2026)
Deeds & Mortgages	Sep 2018 Mortgage Jul 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`0814404004`

Property Details

APN / Parcel Number

Primary APN	`0814404004`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	4 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,641 sqft Living Area
1st Floor Area	832 sqft
Attic	Attic
Attic Area	291 sqft
Basement Area	832 sqft
Finished Basement	550 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,920 sqft (0.113 acres)
Lot Dimensions	120 ft deep x 41 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	339 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	303 MAIN ST
City	ELGIN
State	IA
Zip	52141-9610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 & W 7' LOT 2 & E 12' LOT 4 BLK 1 SUTTERS ADD
Legal Subdivision	SUTTERS
Legal Block	1
Legal Lot Number	2-4
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	3
Census Block	3036
Census Tract	80600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	303 MAIN ST, ELGIN, IA 52141-9610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2018	Deed of Trust, Mortgage LUANA SAVINGS BANK
Jul 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LUANA SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 2, 2008
Transfer Doc	2008/2615
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	303 MAIN ST, ELGIN, IA 52141-9610
Transaction Type	Mortgage
Record Updated	Oct 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002661
Date	Sep 21, 2018
Book Page	0000002018/0000002661
Instrument	000000002661

Lender

Name	LUANA SAVINGS BANK

Agreement

Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	303 MAIN ST, ELGIN, IA 52141-9610
Transaction Type	Mortgage
Record Updated	Oct 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1958
Date	Jul 12, 2019
Book Page	2019/1958
Instrument	1958

Lender

Name	LUANA SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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	$1,714.00	$126,620 (-) Land $4,770 Building $121,850	$126,620 (-) Land $4,770 Building $121,850
2025	$1,714.00 (+11.3%) Homeowner's exemption	$126,620 (+15.86%) Land $4,770 Building $121,850	$126,620 (+15.86%) Land $4,770 Building $121,850
2024	$1,540.00 (-3.87%)
2023		$109,290 (+24.95%) Land $4,770 Building $104,520	$109,290 (+24.95%) Land $4,770 Building $104,520
2022	$1,602.00 Homeowner's exemption	$87,470 Land $3,980 Building $83,490
2021			$87,470 Land $3,980 Building $83,490

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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