304 Mill Ave, Elgin, IA 52141 Property Records

Fayette County property record for 304 Mill Ave, Elgin, IA 52141

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,480 sqft · built 1910
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$122,500 (Aug 2025)
Tax Bill	$1,408 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Sep 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0814304012`

Property Details

APN / Parcel Number

Primary APN	`0814304012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,480 sqft Living Area
1st Floor Area	675 sqft
Basement Area	675 sqft
Unfinished Basement	675 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	161 sqft
Deck Area	70 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	304 MILL AVE
City	ELGIN
State	IA
Zip	52141-9305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 26,27,28 BLK 8 CONNERS ADD
Legal Subdivision	CONNERS
Legal Block	8
Legal Lot Number	26-28
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	3
Census Block	3026
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	Individual Name on Record
Mailing Address	304 MILL AVE, ELGIN, IA 52141-9305
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK FIRST NATIONAL
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK FIRST NATIONAL
Aug 22, 2025	Warranty Deed, Transfer · Conventional Mortgage DUPACO COMMUNITY CU
Jul 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage LUANNA SAVINGS BANK
Jun 28, 2022	Warranty Deed, Transfer · Conventional Mortgage LUANNA SAVINGS BANK
Mar 16, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2025 · Amount on Record
Deed Sale	Aug 22, 2025 · Amount on Record
Prior Sale	Jun 28, 2022 · Amount on Record
Deed Document Number	20252490
Deed Book / Page	2025 / 2490
Prior Transfer Date	Jun 27, 2022
Prior Transfer Doc	0000002019
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	304 MILL AVE, ELGIN, IA 52141-9305
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2673
Date	Aug 31, 2020
Book Page	2020/2673
Instrument	2020-2673

Lender

Name	BANK FIRST NATIONAL
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 20, 2030

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	304 MILL AVE, ELGIN, IA 52141-9305
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2842
Date	Sep 14, 2020
Book Page	2020/2842
Instrument	2020-2842

Lender

Name	BANK FIRST NATIONAL
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 20, 2030

Interest

Rate Type	Fixed Rate

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Aug 22, 2025
Property Address	304 MILL AVE, ELGIN, IA 52141-9305
Document Number	02025/2490
Book / Page	2025 / 2490
Instrument Date	Aug 20, 2025
Instrument	2025 2490
Transaction Type	Transfer
Record Updated	Oct 15, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 MILL AVE, ELGIN, IA 52141-9305

Mortgage

Document Number	0020252491
Date	Aug 22, 2025
Instrument	2025 2491

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	304 MILL AVE, ELGIN, IA 52141-9305
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2139
Date	Jul 8, 2022
Book Page	2022/2139
Instrument	2022-2139

Lender

Name	LUANNA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Jun 28, 2022
Property Address	304 MILL AVE, ELGIN, IA 52141-9305
Document Number	02022/2019
Book / Page	2022 / 2019
Instrument Date	Jun 24, 2022
Instrument	2022-2019
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Tax	$151.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 SCENIC HEIGHTS DR, ELGIN, IA 52141-9318

Mortgage

Document Number	0020222139
Date	Jun 28, 2022
Instrument	2022-2139

Lender

Name	LUANNA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	02022/2132
Date	Jul 8, 2022
Book Page	2022/2132
Instrument	2022-2132

Lender

Name	LUANNA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Mar 16, 2020
Property Address	304 MILL AVE, ELGIN, IA 52141-9305
Document Number	002020/799
Book / Page	2020 / 799
Instrument Date	Mar 13, 2020
Instrument	799
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 MILL ST, ELGIN, IA 52141-9305

Mortgage

Document Number	0000000800
Date	Mar 16, 2020
Instrument	800

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$1,408.00	$105,960 (-) Land $8,190 Building $97,770	$105,960 (-) Land $8,190 Building $97,770
2025	$1,408.00 (+8.98%) Homeowner's exemption	$105,960 (+13.59%) Land $8,190 Building $97,770	$105,960 (+13.59%) Land $8,190 Building $97,770
2024	$1,292.00 (-3.58%)
2023		$93,280 (+24.94%) Land $8,190 Building $85,090	$93,280 (+24.94%) Land $8,190 Building $85,090
2022	$1,340.00 Homeowner's exemption	$74,660 Land $6,830 Building $67,830
2021			$74,660 Land $6,830 Building $67,830

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
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	None beyond ember reach

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 92 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

May also be available: Acentek.

Cell Coverage

5G and 4G LTE (outdoors only)

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