Howard County property record for 402 3rd St, Elma, IA 50628
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,709 sqft · built 1891 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,286 (2026) |
| Deeds & Mortgages | Mar 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 300040604010000 |
| Primary APN | 300040604010000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,709 sqft Living Area |
| Basement Area | 710 sqft |
| Unfinished Basement | 710 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1891 |
|---|---|
| Effective Year Built | Effective 1891 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,502 sqft (0.287 acres) |
| Garage Type | Mixed |
| Garage Area | 1,200 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 112 sqft |
| Deck Area | 264 sqft |
| Patio Area | 436 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 402 3RD ST |
|---|---|
| City | ELMA |
| State | IA |
| Zip | 50628-7756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 4 & 5 BLK F ROBISONS ADDN |
| Legal Subdivision | ROBISONS ADDN |
| Legal Block | 4 & 5 |
| Legal Lot Number | 4 & 5 |
| Jurisdiction | HOWARD IA |
| Township / Civil Division | HOWARD |
| Census Block Group | 2 |
| Census Block | 2171 |
| Census Tract | 960300 |
402 3rd St is owned and occupied by two individuals.
Source: Howard County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 402 3RD ST, ELMA, IA 50628-7756 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HOWARD IA |
| Recording Date | Mar 11, 2021 |
| Property Address | 402 3RD ST, ELMA, IA 50628-7756 |
| Document Number | 002021/469 |
| Book / Page | 2021 / 469 |
| Instrument Date | Mar 10, 2021 |
| Instrument | 2021 0469 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 14, MARQUETTE, IA 52158-0014 |
The 2026 property tax bill for 402 3rd St was $1,286 with a homeowner's exemption.
Source: Howard County assessment roll, as of October 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Howard County |
| Municipality | Elma City |
| Unified School District | Howard-Winneshiek Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,286.00 | $83,530 (-) Land $6,350 Building $77,180 | $83,530 (-) Land $6,350 Building $77,180 |
| 2025 | $1,286.00 (-5.58%) Homeowner's exemption | $83,530 Land $6,350 Building $77,180 | $83,530 Land $6,350 Building $77,180 |
| 2024 | $1,362.00 | ||
| 2023 | $74,270 (+31.52%) Land $6,350 Building $67,920 | $74,270 Land $6,350 Building $67,920 | |
| 2022 | $1,208.00 Homeowner's exemption | $56,470 Land $6,350 Building $50,120 | |
| 2021 | $56,470 Land $6,350 Building $50,120 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 3rd St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1993.
Source: FEMA National Flood Hazard Layer, effective September 16, 2011 · 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 |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 6 (1993–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Aug 2021 · rainfall accumulation |
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 risk around 402 3rd St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 98.1% of Iowa |
|---|---|
| Wildfire Likelihood | Under 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 | ELMA WATER SUPPLY serves 505 people · EPA ID IA4525017 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 5 ppb (2024–2026) 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 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Windstream DSL | 200 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| Nextlink Fixed Wireless | 100 / 20 |
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