320 Mill Ave, Elgin, IA 52141 Property Records

Fayette County property record for 320 Mill Ave, Elgin, IA 52141

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4,092 sqft · built 1900
Lot Size	0.051 acres (2,200 sqft)
Owner	Company Name on Record
Last Sale	$23,000 (Sep 2018)
Tax Bill	$450 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`0814304006`

Property Details

APN / Parcel Number

Primary APN	`0814304006`

Interior

Stories	2 Stories
Building Area	4,092 sqft Gross Area
1st Floor Area	1,452 sqft
Basement Area	726 sqft
Flooring	Wood
Interior Walls	Block
Overhead Door	Overhead Door

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Brick
Roof Material	Metal
Lot Area	2,200 sqft (0.051 acres)
Lot Dimensions	100 ft deep x 22 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	320 MILL AVE
City	ELGIN
State	IA
Zip	52141-9305
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	LOT 17 BLK 8 EX N 3' LOT 17 BLK 8 EX N 3' CONNERS ADD CONNERS ADD (COMMERCIAL) (RESIDENTIAL)
Legal Subdivision	CONNERS
Legal Block	8
Legal Lot Number	17
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	Company Name on Record
Mailing Address	1205 WEST ST, DES MOINES, IA 50315-5564
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIDELITY BANK & TRUST NA
Sep 20, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2018 · Amount on Record
Deed Sale	Sep 20, 2018 · Amount on Record
Deed Document Number	20182636
Deed Book / Page	2018 / 2636
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	320 MILL AVE, ELGIN, IA 52141-9305
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/4153
Date	Nov 17, 2021
Book Page	2021/4153
Instrument	2021-4153

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Sep 20, 2018
Property Address	320 MILL AVE, ELGIN, IA 52141-9305
Document Number	2018/2636
Book / Page	2018 / 2636
Instrument Date	Sep 19, 2018
Instrument	000000002636
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Amount	Amount Recorded
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	13947 OAK BROOK DR, URBANDALE, IA 50323-2134

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	$450.00	$30,330 (-) Land $1,250 Building $29,080	$30,330 (-) Land $1,250 Building $29,080
2025	$450.00 (+20.97%)	$30,330 (+27.28%) Land $1,250 Building $29,080	$30,330 (+27.28%) Land $1,250 Building $29,080
2024	$372.00 (-10.14%)
2023		$23,830 (+16.88%) Land $1,250 Building $22,580	$23,830 (+16.88%) Land $1,250 Building $22,580
2022	$414.00	$20,388 Land $1,038 Building $19,350
2021			$20,388 Land $1,038 Building $19,350

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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