403 Washington St, Elgin, IA 52141 Property Records

Fayette County property record for 403 Washington St, Elgin, IA 52141

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,876 sqft · built 1991
Lot Size	0.248 acres (10,818 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Mar 2021)
Tax Bill	$2,556 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Apr 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0814302024`

Property Details

APN / Parcel Number

Primary APN	`0814302024`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,876 sqft Living Area
1st Floor Area	768 sqft
Basement Area	1,044 sqft
Unfinished Basement	1,044 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,818 sqft (0.248 acres)
Lot Dimensions	99 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	403 WASHINGTON ST
City	ELGIN
State	IA
Zip	52141-9330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 HACKMANNS 2ND ADD (PARSONAGE)
Legal Subdivision	HACKMANNS 2ND ADD
Legal Lot Number	6
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	Individual Name on Record
Mailing Address	403 WASHINGTON ST, ELGIN, IA 52141-9330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · Line of Credit CEDAR RAPIDS BANK & TRUST CO
Apr 11, 2022	Intrafamily Transfer, Transfer
Mar 3, 2021	Warranty Deed, Transfer · Conventional Mortgage CEDAR RAPIDES BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2021 · Amount on Record
Deed Sale	Mar 3, 2021 · Amount on Record
Deed Document Number	2021689
Deed Book / Page	2021 / 689
Prior Transfer Date	Mar 23, 2020
Prior Transfer Doc	02022/1078
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	403 WASHINGTON ST, ELGIN, IA 52141-9330
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/2982
Date	Oct 16, 2025
Book Page	2025/2982
Instrument	2025 2982

Lender

Name	CEDAR RAPIDS BANK & TRUST CO
Type	Bank
Address	CEDAR RAPIDS, IA 52401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FAYETTE IA
Recording Date	Apr 11, 2022
Property Address	403 WASHINGTON ST, ELGIN, IA 52141-9330
Document Number	02022/1078
Book / Page	2022 / 1078
Instrument Date	Mar 23, 2022
Instrument	2022-1078
Transaction Type	Transfer
Record Updated	Jun 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 WASHINGTON ST, ELGIN, IA 52141-9330

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Mar 3, 2021
Property Address	403 WASHINGTON ST, ELGIN, IA 52141-9330
Document Number	002021/689
Book / Page	2021 / 689
Instrument Date	Feb 15, 2021
Instrument	2021-689
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 WASHINGTON ST, ELGIN, IA 52141-9330

Mortgage

Document Number	002021/690
Date	Mar 3, 2021
Book Page	2021/690
Instrument	2021-690

Lender

Name	CEDAR RAPIDES BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

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	$2,556.00	$183,510 (-) Land $11,230 Building $172,280	$183,510 (-) Land $11,230 Building $172,280
2025	$2,556.00 (+1.03%)	$183,510 (+12.8%) Land $11,230 Building $172,280	$183,510 (+12.8%) Land $11,230 Building $172,280
2024	$2,530.00 (-4.31%)
2023		$162,680 (+25.4%) Land $11,230 Building $151,450	$162,680 (+25.4%) Land $11,230 Building $151,450
2022	$2,644.00	$129,730 Land $9,360 Building $120,370
2021			$129,730 Land $9,360 Building $120,370

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
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	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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