5998 Harding Rd, Elgin, IA 52141 Property Records

Fayette County property record for 5998 Harding Rd, Elgin, IA 52141

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,592 sqft · built 1913
Lot Size	3.11 acres (135,472 sqft)
Owner	Individual Name on File
Last Sale	$212,500 (Aug 2020)
Tax Bill	$2,392 (2026)
Deeds & Mortgages	Mar 2020 Refinance Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0806200004`

Property Details

APN / Parcel Number

Primary APN	`0806200004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,592 sqft Living Area
1st Floor Area	1,296 sqft
Basement Area	1,296 sqft
Unfinished Basement	1,296 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Type	Hip
Roof Material	Metal
Lot Area	135,472 sqft (3.11 acres)
Garage Type	Attached
Garage Area	1,248 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	128 sqft
Lean-To	Lean-To

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5998 HARDING RD
City	ELGIN
State	IA
Zip	52141-9683
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL B FRL NE NE SURVEY BK 2001 PAGE 1617
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	1
Census Block	1082
Census Tract	80600

Owner

5998 Harding Rd is owned and occupied by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	5998 HARDING RD, ELGIN, IA 52141-9683
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
Mar 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance KERDNT BROTHERS BANK
Aug 19, 2020	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2020 · Amount on File
Deed Sale	Aug 19, 2020 · Amount on File
Deed Document Number	20202526
Deed Book / Page	2020 / 2526
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	5998 HARDING RD, ELGIN, IA 52141-9683
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/888
Date	Mar 26, 2020
Book Page	2020/888
Instrument	888

Lender

Name	KERDNT BROTHERS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2030

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Aug 19, 2020
Property Address	5998 HARDING RD, ELGIN, IA 52141-9683
Document Number	02020/2526
Book / Page	2020 / 2526
Instrument Date	Jun 19, 2020
Instrument	2020-2526
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	$339.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5998 HARDING RD, ELGIN, IA 52141-9683

Mortgage

Document Number	02020/2527
Date	Aug 19, 2020
Book Page	2020/2527
Instrument	2020-2527

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.25%
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 5998 Harding Rd was $2,392.

Source: Fayette County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Fayette County
Unified School District	North Fayette Valley Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,392.00	$234,890 (-) Land $40,550 Building $194,340	$234,890 (-) Land $40,550 Building $194,340
2025	$2,392.00 (+1.61%)	$234,890 Land $40,550 Building $194,340	$234,890 Land $40,550 Building $194,340
2024	$2,354.00
2023		$210,580 (+25.94%) Land $40,550 Building $170,030	$210,580 Land $40,550 Building $170,030
2022	$2,134.00	$167,200 Land $32,910 Building $134,290
2021			$167,200 Land $32,910 Building $134,290

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

Flood

FEMA maps place 5998 Harding Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2016 · Severe Storms, Straight-line Winds, 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.

Wildfire

Wildfire risk around 5998 Harding Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Acentek Fiber	1,000 / 1,000
GigFire Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Harding Rd

Nearby Streets

All Elgin, IA Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures