Howard County property record for 522 Main St, Elma, IA 50628
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,040 sqft · built 1960 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $1,194 (2026) |
| Deeds & Mortgages | Apr 2020 Sale |
| Flood Zone | Zone A (high risk) |
| APN | 300013709010000 |
| Primary APN | 300013709010000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,498 sqft (0.241 acres) |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 522 MAIN ST |
|---|---|
| City | ELMA |
| State | IA |
| Zip | 50628-8399 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 9, 10 & 11 BLK 37 ELMA CORP |
| Legal Subdivision | ELMA |
| Legal Block | 37 |
| Legal Lot Number | 9 |
| Jurisdiction | HOWARD IA |
| Township / Civil Division | AFTON |
| Census Block Group | 2 |
| Census Block | 2215 |
| Census Tract | 960300 |
522 Main St, a single family home, is owned by a company.
Source: Howard County records, as of October 20, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 15801 GARDEN AVE, ELMA, IA 50628-8354 |
| Owner Type | Company |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HOWARD IA |
| Recording Date | Apr 17, 2020 |
| Property Address | 522 MAIN ST, ELMA, IA 50628-8399 |
| Document Number | 002020/557 |
| Book / Page | 2020 / 557 |
| Instrument Date | Apr 17, 2020 |
| Instrument | 2020 0557 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15801 GARDEN AVE, ELMA, IA 50628-8354 |
The 2026 property tax bill for 522 Main St was $1,194.
Source: Howard County assessment roll, as of October 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Howard County |
| Municipality | Elma City |
| Unified School District | Howard-Winneshiek Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,194.00 | $67,410 (-) Land $5,510 Building $61,900 | $67,410 (-) Land $5,510 Building $61,900 |
| 2025 | $1,194.00 (-6.86%) | $67,410 Land $5,510 Building $61,900 | $67,410 Land $5,510 Building $61,900 |
| 2024 | $1,282.00 | ||
| 2023 | $60,260 (+30.8%) Land $5,510 Building $54,750 | $60,260 Land $5,510 Building $54,750 | |
| 2022 | $1,170.00 | $46,070 Land $5,510 Building $40,560 | |
| 2021 | $46,070 Land $5,510 Building $40,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 Main St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 522 Main 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 99.8% of the US · lower than 98.1% 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.
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 |
| 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 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Windstream DSL | 200 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| Nextlink Fixed Wireless | 100 / 20 |
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