Clayton County property record for 408 E Bridge St, Elkader, IA 52043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,848 sqft · built 1900 |
| Lot Size | 0.182 acres (7,920 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,822 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage Mar 2024 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2523189006 |
| Primary APN | 2523189006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,848 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Basement Area | 780 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 7,920 sqft (0.182 acres) |
| Lot Dimensions | 132 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 512 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 408 E BRIDGE ST |
|---|---|
| City | ELKADER |
| State | IA |
| Zip | 52043-9003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WARNERS ADDITION E. 1/2 LOTS 5 & 6 BLK 10 |
| Legal Subdivision | WARNERS ADDITION |
| Legal Block | 10 |
| Legal Lot Number | 5,6 |
| Jurisdiction | CLAYTON IA |
| Township / Civil Division | BOARDMAN |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 70300 |
Source: Clayton County records, as of September 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 408 E BRIDGE ST, ELKADER, IA 52043-9003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Nov 13, 2018 | Deed of Trust, Mortgage IOWA BANKERS MORTGAGE CORPORATION |
| Mar 4, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CENTRAL STATE BANK |
| Feb 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL STATE BANK |
| May 24, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage CENTRAL STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 17, 2021 |
| Transfer Doc | 2021R02109 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 408 E BRIDGE ST, ELKADER, IA 52043-9003 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2018R03389 |
|---|---|
| Date | Nov 13, 2018 |
| Instrument | 2018R03389 |
| Name | IOWA BANKERS MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 350 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 408 E BRIDGE ST, ELKADER, IA 52043-9003 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 2024R00530 |
|---|---|
| Date | Mar 4, 2024 |
| Instrument | 2024R00530 |
| Name | CENTRAL STATE BANK |
|---|---|
| Type | Bank |
| Address | ELKADER, IA 52043 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 63 Months |
| Due | Jun 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAYTON IA |
| Property Address | 408 E BRIDGE ST, ELKADER, IA 52043-9003 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2022R00576 |
|---|---|
| Date | Feb 15, 2022 |
| Instrument | 2022R00576 |
| Name | CENTRAL STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAYTON IA |
| Recording Date | May 24, 2021 |
| Property Address | 408 E BRIDGE ST, ELKADER, IA 52043-9003 |
| Document Number | 2021R02109 |
| Instrument Date | May 17, 2021 |
| Instrument | 2021R02109 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 408 E BRIDGE ST, ELKADER, IA 52043-9003 |
| Document Number | 2021R02110 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 2021R02110 |
| Name | CENTRAL STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Clayton County assessment roll, as of November 3, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clayton County |
| Municipality | Elkader City |
| Unified School District | Central Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,822.00 (+6.41%) Homeowner's exemption | $139,265 (+19.71%) Land $7,818 Building $131,447 | $139,265 (+19.71%) Land $7,818 Building $131,447 |
| 2024 | $2,652.00 (+72.21%) | ||
| 2023 | $116,338 Land $6,798 Building $109,540 | $116,338 Land $6,798 Building $109,540 | |
| 2022 | $1,540.00 |
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 September 28, 2022 · 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 | 4 in force |
| Nearby Flood Claims | 2 (1991–2008) |
| Most Recent Claim | Jun 2008 · Severe Storms, Tornadoes, And Flooding |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | ELKADER MUNI WATER DEPT serves 1,219 people · EPA ID IA2223011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 5 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 68 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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