Fayette County property record for 309 Main St, Elgin, IA 52141
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,582 sqft · built 1905 |
| Lot Size | 0.182 acres (7,920 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,170 (2026) |
| Deeds & Mortgages | Mar 2009 Line of Credit Apr 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0814404001 |
| Primary APN | 0814404001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,582 sqft Living Area |
| 1st Floor Area | 730 sqft |
| Basement Area | 730 sqft |
| Unfinished Basement | 730 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 7,920 sqft (0.182 acres) |
| Lot Dimensions | 120 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 50 sqft |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Water Source | Commercial |
| Street Address | 309 MAIN ST |
|---|---|
| City | ELGIN |
| State | IA |
| Zip | 52141-9610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 11,12,13 BLK 1 SUTTERS ADD |
| Legal Subdivision | SUTTERS |
| Legal Block | 1 |
| Legal Lot Number | 11-13 |
| Jurisdiction | FAYETTE IA |
| Township / Civil Division | PLEASANT VALLEY |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 80600 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 275, ELGIN, IA 52141-0275 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2009 | Deed of Trust, Mortgage · Line of Credit LUANA SAVINGS BANK |
| Apr 30, 2026 | Affidavit, Transfer |
| Oct 6, 2009 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 29, 2026 |
| Transfer Doc | 02026/1153 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE IA |
| Property Address | 309 MAIN ST, ELGIN, IA 52141-9610 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02009/0678 |
|---|---|
| Date | Mar 10, 2009 |
| Book Page | 2009/0678 |
| Instrument | 2009 0678 |
| Name | LUANA SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | LUANA, IA 52156 |
| Type | Line of Credit |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | FAYETTE IA |
| Recording Date | Apr 30, 2026 |
| Property Address | 309 MAIN ST, ELGIN, IA 52141-9610 |
| Document Number | 02026/1153 |
| Book / Page | 2026 / 1153 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 20261153 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FAYETTE IA |
| Recording Date | Oct 6, 2009 |
| Property Address | 309 MAIN ST, ELGIN, IA 52141-9610 |
| Document Number | 02009/3050 |
| Book / Page | 2009 / 3050 |
| Instrument Date | Oct 5, 2009 |
| Instrument | 2009 3050 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 275, ELGIN, IA 52141-0275 |
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 | $1,170.00 | $113,490 (-) Land $7,680 Building $105,810 | $113,490 (-) Land $7,680 Building $105,810 |
| 2025 | $1,170.00 (+14.71%) Homeowner's exemption | $113,490 (+15.89%) Land $7,680 Building $105,810 | $113,490 (+15.89%) Land $7,680 Building $105,810 |
| 2024 | $1,020.00 (-23.19%) | ||
| 2023 | $97,930 (+26.51%) Land $7,680 Building $90,250 | $97,930 (+26.51%) Land $7,680 Building $90,250 | |
| 2022 | $1,328.00 Homeowner's exemption | $77,410 Land $6,400 Building $71,010 | |
| 2021 | $77,410 Land $6,400 Building $71,010 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 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.
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.
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 |
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