400 Mill Ave, Elgin, IA 52141 Property Records

Fayette County property record for 400 Mill Ave, Elgin, IA 52141

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,560 sqft · built 1900
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$38,000 (Nov 2009)
Tax Bill	$1,628 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0814302008`

Property Details

APN / Parcel Number

Primary APN	`0814302008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
1st Floor Area	540 sqft
Basement Area	540 sqft
Unfinished Basement	540 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	198 sqft
Deck Area	Deck Area
Shed	1 Shed
Lean-To	Lean-To

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	400 MILL AVE
City	ELGIN
State	IA
Zip	52141-9306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1,2,31,32 BLK 7 CONNERS ADD
Legal Subdivision	CONNERS
Legal Block	7
Legal Lot Number	1-2
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	3
Census Block	3049
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	2 Individual Names on Record
Mailing Address	400 MILL AVE, ELGIN, IA 52141-9306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2009 · Amount on Record
Deed Sale	Nov 19, 2009 · Amount on Record
Deed Document Number	20093478
Deed Book / Page	2009 / 3478
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	400 MILL AVE, ELGIN, IA 52141-9306
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/3039
Date	Oct 22, 2025
Book Page	2025/3039
Instrument	2025 3039

Lender

Name	LUANA SAVINGS BANK
Type	Bank
Address	LUANA, IA 52156

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2035

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	$1,628.00	$120,760 (-) Land $6,780 Building $113,980	$120,760 (-) Land $6,780 Building $113,980
2025	$1,628.00 (+12.12%) Homeowner's exemption	$120,760 (+19.21%) Land $6,780 Building $113,980	$120,760 (+19.21%) Land $6,780 Building $113,980
2024	$1,452.00 (-0.41%)
2023		$101,300 (+26.04%) Land $6,780 Building $94,520	$101,300 (+26.04%) Land $6,780 Building $94,520
2022	$1,458.00 Homeowner's exemption	$80,370 Land $5,650 Building $74,720
2021			$80,370 Land $5,650 Building $74,720

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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