409 Main St, Elgin, IA 52141 Property Records

Fayette County property record for 409 Main St, Elgin, IA 52141

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 960 sqft · built 1961
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on File
Last Sale	$55,500 (Jun 2019)
Tax Bill	$1,120 (2026)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0814403001`

Property Details

APN / Parcel Number

Primary APN	`0814403001`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	325 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	532 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 MAIN ST
City	ELGIN
State	IA
Zip	52141-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 LOTS 8 TO 12 BLK 2 SUTTERS ADD
Legal Subdivision	SUTTERS
Legal Block	2
Legal Lot Number	8
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	3
Census Block	3037
Census Tract	80600

Owner

409 Main St is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	409 MAIN ST, ELGIN, IA 52141-9609
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	2 Names on Deed
Last Sale	Jun 25, 2019 · Amount on File
Deed Sale	Jun 25, 2019 · Amount on File
Deed Document Number	20191750
Deed Book / Page	2019 / 1750
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Jun 25, 2019
Property Address	409 MAIN ST, ELGIN, IA 52141-9609
Document Number	02019/1750
Book / Page	2019 / 1750
Instrument Date	Jun 18, 2019
Instrument	1750
Transaction Type	Transfer
Record Updated	Oct 10, 2025

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	409 MAIN ST, ELGIN, IA 52141-9609

Mortgage

Document Number	02019/1751
Date	Jun 25, 2019
Book Page	2019/1751
Instrument	1751

Lender

Name	BANKFIRST FINANCIAL

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 409 Main St was $1,120 with a homeowner's exemption.

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	$1,120.00	$86,540 (-) Land $6,770 Building $79,770	$86,540 (-) Land $6,770 Building $79,770
2025	$1,120.00 (+9.59%) Homeowner's exemption	$86,540 Land $6,770 Building $79,770	$86,540 Land $6,770 Building $79,770
2024	$1,022.00
2023		$76,000 (+24.96%) Land $6,770 Building $69,230	$76,000 Land $6,770 Building $69,230
2022	$1,058.00 Homeowner's exemption	$60,820 Land $5,640 Building $55,180
2021			$60,820 Land $5,640 Building $55,180

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

Flood

FEMA maps place 409 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 409 Main St is low, with 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 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 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