503 Elm St, Atlantic, IA 50022 Property Records

Cass County property record for 503 Elm St, Atlantic, IA 50022

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,270 sqft · built 1885
Lot Size	0.161 acres (6,993 sqft)
Owner	Individual Name on File
Tax Bill	$1,574 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`303005411001000`

Property Details

APN / Parcel Number

Primary APN	`303005411001000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,270 sqft Living Area
1st Floor Area	747 sqft
Basement Area	560 sqft
Unfinished Basement	560 sqft
Game Room	Game Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,993 sqft (0.161 acres)
Garage Type	Detached
Garage Area	637 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	92 sqft
Deck Area	260 sqft
Patio Area	520 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	503 ELM ST
City	ATLANTIC
State	IA
Zip	50022-1306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3-4 BLK 35
Legal Subdivision	ORIGINAL TOWN - ATLANTIC
Legal Block	35
Legal Lot Number	3,4
Jurisdiction	CASS IA
Township / Civil Division	GROVE
Census Block Group	2
Census Block	2125
Census Tract	190500

Owner

503 Elm St is owned and occupied by an individual who acquired it in December 2013.

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

Owner of Record	Individual Name on File
Mailing Address	503 ELM ST, ATLANTIC, IA 50022-1306
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

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 17, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 9, 2013
Transfer Doc	02013/2696
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	503 ELM ST, ATLANTIC, IA 50022-1306
Transaction Type	Mortgage
Record Updated	Dec 1, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 ELM ST, ATLANTIC, IA 50022-1306

Mortgage

Document Number	02023/1571
Date	Oct 11, 2023
Book Page	2023/1571

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS IA
Recording Date	Oct 17, 2019
Property Address	503 ELM ST, ATLANTIC, IA 50022-1306
Document Number	02019/1711
Book / Page	2019 / 1711
Instrument Date	Oct 16, 2019
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 ELM ST, ATLANTIC, IA 50022-1306

Mortgage

Document Number	02019/1712
Date	Oct 17, 2019
Book Page	2019/1712

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 503 Elm St was $1,574 with exemptions applied.

Source: Cass County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Cass County
Municipality	Atlantic City
Unified School District	Atlantic Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,574.00 Homeowner's exemption Veteran's exemption	$111,360 (-) Land $5,350 Building $106,010	$111,360 (-) Land $5,350 Building $106,010
2025	$1,574.00 (+24.33%) Homeowner's exemption Veteran's exemption	$111,360 Land $5,350 Building $106,010	$111,360 Land $5,350 Building $106,010
2024	$1,266.00
2023		$89,110 Land $5,350 Building $83,760	$89,110 Land $5,350 Building $83,760
2022	$1,444.00

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

Flood

FEMA maps place 503 Elm 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 May 16, 2017 · 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	5 in force
Nearby Flood Claims	6 (1993–2015)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jun 2015 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes And Flooding, Jun 1998 · 4 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

The area around 503 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	ATLANTIC MUNICIPAL UTILITIES serves 7,252 people · EPA ID IA1509074
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 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 505 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon, Western Iowa Wireless.

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