404 9th St, Elma, IA 50628 Property Records

Howard County property record for 404 9th St, Elma, IA 50628

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,344 sqft · built 1975
Lot Size	0.359 acres (15,638 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Mar 2019)
Tax Bill	$1,898 (2026)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`300025015010000`

Property Details

APN / Parcel Number

Primary APN	`300025015010000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Basement Area	1,344 sqft
Finished Basement	850 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,638 sqft (0.359 acres)
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	404 9TH ST
City	ELMA
State	IA
Zip	50628-8217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 15 & 16 BLK 50L POTTERS DIV
Legal Subdivision	L POTTERS DIV
Legal Block	50
Legal Lot Number	15 & 16
Jurisdiction	HOWARD IA
Township / Civil Division	AFTON
Census Block Group	2
Census Block	2153
Census Tract	960300

Owner

404 9th St is owned and occupied by an individual who bought it in March 2019.

Source: Howard County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	404 9TH ST, ELMA, IA 50628-8217
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2019 · Amount on File
Deed Sale	Mar 29, 2019 · Amount on File
Deed Document Number	2019408
Deed Book / Page	2019 / 408
Record Updated	Oct 29, 2026

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD IA
Recording Date	Mar 29, 2019
Property Address	404 9TH ST, ELMA, IA 50628-8217
Document Number	2019/408
Book / Page	2019 / 408
Instrument Date	Mar 29, 2019
Instrument	408
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	404 9TH ST, ELMA, IA 50628-8217

Mortgage

Document Number	002019/411
Date	Mar 29, 2019
Book Page	2019/411
Instrument	411

Lender

Name	PEOPLES SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 404 9th St was $1,898 with a homeowner's exemption.

Source: Howard County assessment roll, as of October 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Howard County
Municipality	Elma City
Unified School District	Howard-Winneshiek Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,898.00	$118,050 (-) Land $8,990 Building $109,060	$118,050 (-) Land $8,990 Building $109,060
2025	$1,898.00 (-6.13%) Homeowner's exemption	$118,050 Land $8,990 Building $109,060	$118,050 Land $8,990 Building $109,060
2024	$2,022.00
2023		$105,310 (+31.29%) Land $8,990 Building $96,320	$105,310 Land $8,990 Building $96,320
2022	$1,812.00 Homeowner's exemption	$80,210 Land $8,990 Building $71,220
2021			$80,210 Land $8,990 Building $71,220

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 404 9th 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

Wildfire risk around 404 9th 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 98% of the US · lower than 82% 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.

Drinking Water

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

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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
Nextlink Fixed Wireless	100 / 20
Windstream DSL	100 / 20