Fayette County property record for 406 Main St, Elgin, IA 52141
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,554 sqft · built 1900 |
| Lot Size | 0.161 acres (7,020 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $92,000 (Sep 2022) |
| Tax Bill | $1,432 (2026) |
| Deeds & Mortgages | Sep 2022 Sale & Line of Credit Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0814253003 |
| Primary APN | 0814253003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,554 sqft Living Area |
| 1st Floor Area | 504 sqft |
| Basement Area | 687 sqft |
| Unfinished Basement | 687 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,020 sqft (0.161 acres) |
| Lot Dimensions | 117 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 406 MAIN ST |
|---|---|
| City | ELGIN |
| State | IA |
| Zip | 52141-9609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 BLK 10 & 10' VAC ALLEY ON W & BEG AT SW CRN OF VAC 10' ALLEY LYING W LOT 9, TH S 16.93' TO 33' N OF C/L MAIN ST, TH E |
| Legal Subdivision | TO POB, 2ND ADD |
| Legal Block | 10 |
| Legal Lot Number | 9 |
| Jurisdiction | FAYETTE IA |
| Township / Civil Division | PLEASANT VALLEY |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 80600 |
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 | 406 MAIN ST, ELGIN, IA 52141-9609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2022 | Warranty Deed, Transfer · Line of Credit LUANNA SAVINGS BANK |
| Jul 12, 2018 | Warranty Deed, Transfer COMMUNITY SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2022 · Amount on Record |
| Deed Sale | Sep 30, 2022 · Amount on Record |
| Prior Sale | Jul 12, 2018 · Amount on Record |
| Deed Document Number | 20223037 |
| Deed Book / Page | 2022 / 3037 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FAYETTE IA |
| Recording Date | Sep 30, 2022 |
| Property Address | 406 MAIN ST, ELGIN, IA 52141-9609 |
| Document Number | 02022/3037 |
| Book / Page | 2022 / 3037 |
| Instrument Date | Sep 29, 2022 |
| Instrument | 2022-3037 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $146.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 406 MAIN ST, ELGIN, IA 52141-9609 |
| Document Number | 0020223038 |
|---|---|
| Date | Sep 30, 2022 |
| Instrument | 2022-3038 |
| Name | LUANNA SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FAYETTE IA |
| Recording Date | Jul 12, 2018 |
| Property Address | 406 MAIN ST, ELGIN, IA 52141-9609 |
| Document Number | 2018/1939 |
| Book / Page | 2018 / 1939 |
| Instrument Date | Jun 24, 2018 |
| Instrument | 000000001939 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 406 MAIN ST, ELGIN, IA 52141-9609 |
| Document Number | 0000002018/0000002096 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 0000002018/0000002096 |
| Instrument | 000000002096 |
| Name | COMMUNITY SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 174 Months |
| Due | Jan 1, 2033 |
Source: Fayette County assessment roll, as of October 6, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Fayette County |
| Municipality | Elgin City |
| Unified School District | North Fayette Valley Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,432.00 | $96,650 (-) Land $6,980 Building $89,670 | $96,650 (-) Land $6,980 Building $89,670 |
| 2025 | $1,432.00 (+10.84%) | $96,650 (+16.28%) Land $6,980 Building $89,670 | $96,650 (+16.28%) Land $6,980 Building $89,670 |
| 2024 | $1,292.00 (+15.98%) | ||
| 2023 | $83,120 (+52.15%) Land $6,980 Building $76,140 | $83,120 (+52.15%) Land $6,980 Building $76,140 | |
| 2022 | $1,114.00 | $54,630 Land $5,820 Building $48,810 | |
| 2021 | $54,630 Land $5,820 Building $48,810 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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 192 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 |
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