603 Mill St, Elgin, IA 52141 Property Records

Fayette County property record for 603 Mill St, Elgin, IA 52141

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 978 sqft · built 1962
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$100,500 (Feb 2024)
Tax Bill	$1,252 (2026)
Deeds & Mortgages	Mar 2026 Construction Loan Sep 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0813303002`

Property Details

APN / Parcel Number

Primary APN	`0813303002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	978 sqft Living Area
1st Floor Area	978 sqft
Basement Area	978 sqft
Unfinished Basement	978 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Patio Area	261 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	603 MILL ST
City	ELGIN
State	IA
Zip	52141-9317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 4,5,6 BLK 3 SCHORI ADD
Legal Subdivision	SCHORI
Legal Block	3
Legal Lot Number	4-6
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	3
Census Block	3011
Census Tract	80600

Owner

603 Mill St is owned and occupied by an individual who bought it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	603 MILL ST, ELGIN, IA 52141-9317
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 11, 2026	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY SAVINGS BANK
Sep 22, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Feb 12, 2024	Warranty Deed, Transfer · Conventional Mortgage KERNDT BROTHERS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2024 · Amount on File
Deed Sale	Feb 12, 2024 · Amount on File
Deed Document Number	2024344344
Deed Book / Page	2024 / 344
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	603 MILL ST, ELGIN, IA 52141-9317
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 JERRY LN, MANCHESTER, IA 52057-1033

Mortgage

Document Number	002026/675
Date	Mar 11, 2026
Book Page	2026/675
Instrument	2026 675

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank
Address	EDGEWOOD, IA 52042

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	78 Months
Due	Sep 11, 2032

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	603 MILL ST, ELGIN, IA 52141-9317
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2562
Date	Sep 22, 2017
Book Page	2017/2562
Instrument	2017 2562

Lender

Name	BANK OF THE WEST
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 19, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	603 MILL ST, ELGIN, IA 52141-9317
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2696
Date	Sep 1, 2020
Book Page	2020/2696
Instrument	2020-2696

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Feb 12, 2024
Property Address	603 MILL ST, ELGIN, IA 52141-9317
Document Number	002024/344
Book / Page	2024 / 344
Instrument Date	Feb 8, 2024
Instrument	2024 344
Transaction Type	Transfer
Record Updated	Mar 27, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 MILL ST, ELGIN, IA 52141-9317

Mortgage

Document Number	002024/385
Date	Feb 20, 2024
Book Page	2024/385
Instrument	2024 385

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank
Address	LANSING, IA 52151

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Feb 5, 2031

Tax Assessment & Valuation

The 2026 property tax bill for 603 Mill St was $1,252 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	$1,252.00	$95,490 (-) Land $10,910 Building $84,580	$95,490 (-) Land $10,910 Building $84,580
2025	$1,252.00 (+10.8%) Homeowner's exemption	$95,490 Land $10,910 Building $84,580	$95,490 Land $10,910 Building $84,580
2024	$1,130.00
2023		$82,960 (+24.71%) Land $10,910 Building $72,050	$82,960 Land $10,910 Building $72,050
2022	$1,174.00 Homeowner's exemption	$66,520 Land $9,090 Building $57,430
2021			$66,520 Land $9,090 Building $57,430

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

Flood

FEMA maps place 603 Mill St in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1991.

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 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 603 Mill 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	Direct burnable vegetation

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 47 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

Cell Coverage

5G and 4G LTE (outdoors only)

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