608 Franklin St, Elgin, IA 52141 Property Records

Fayette County property record for 608 Franklin St, Elgin, IA 52141 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,353 sqft · built 1948
Lot Size	0.198 acres (8,640 sqft)
Owner	2 Individual Names on File
Last Sale	$119,000 (Apr 2026)
Tax Bill	$1,268 (2025)
Deeds & Mortgages	Jul 2024 Line of Credit Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0814329008`

Property Details

APN / Parcel Number

Primary APN	`0814329008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,353 sqft Living Area
1st Floor Area	1,002 sqft
Attic	Attic
Attic Area	351 sqft
Basement Area	1,002 sqft
Unfinished Basement	981 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,640 sqft (0.198 acres)
Lot Dimensions	120 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	411 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	608 FRANKLIN ST
City	ELGIN
State	IA
Zip	52141-9323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK 4 SUTTERS ADD & COM NW COR LOT 11 BLK 4 SUTTER ADD TH W 38 1/4' S 120' E 38 1/4' N 120' TO BEG
Legal Subdivision	SUTTERS ADD
Legal Block	4
Legal Lot Number	11
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	3
Census Block	3040
Census Tract	80600

Owner

Source: Fayette County records · APN 0814329008

Assessment roll updated October 6, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	608 FRANKLIN ST, ELGIN, IA 52141-9323
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2024	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Apr 14, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
Feb 22, 2016	Executor's Deed, Transfer · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 14, 2026 · Amount on Record
Deed Sale	Apr 14, 2026 · Amount on Record
Prior Sale	Feb 22, 2016 · Amount on Record
Deed Document Number	2026966
Deed Book / Page	2026 / 966
Record Updated	Sep 20, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	608 FRANKLIN ST, ELGIN, IA 52141-9323
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 FRANKLIN ST, ELGIN, IA 52141-9323

Mortgage

Document Number	02024/1624
Date	Jul 12, 2024
Book Page	2024/1624
Instrument	20241624

Lender

Name	BMO BANK NA
Type	Bank
Address	BROOKFIELD, WI 53005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE IA
Recording Date	Apr 14, 2026
Property Address	608 FRANKLIN ST, ELGIN, IA 52141-9323
Document Number	0000000966
Book / Page	2026 / 966
Instrument Date	Apr 10, 2026
Instrument	2026.966
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$19,149.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	608 FRANKLIN ST, ELGIN, IA 52141-9323

Mortgage

Document Number	0000000967,
Date	Apr 14, 2026
Instrument	2026..967

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2016: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	FAYETTE IA
Recording Date	Feb 22, 2016
Property Address	608 FRANKLIN ST, ELGIN, IA 52141-9323
Document Number	02016/0376
Book / Page	2016 / 0376
Instrument Date	Feb 22, 2016
Instrument	2016 0376
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Amount	Amount Recorded
Tax	$108.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19547 A AVE, ELGIN, IA 52141-8100

Mortgage

Document Number	02016/0377
Date	Feb 22, 2016
Book Page	2016/0377
Instrument	2016 0377

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2046

Tax Assessment & Valuation

Source: Fayette County records · Assessment roll updated October 6, 2025 · Last verified May 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,268.00 Homeowner's exemption	$104,280 (+13.69%) Land $8,380 Building $95,900	$104,280 (+13.69%) Land $8,380 Building $95,900
2024	$1,268.00 (-1.25%)
2023		$91,720 (+27.65%) Land $8,380 Building $83,340	$91,720 (+27.65%) Land $8,380 Building $83,340
2022	$1,284.00 Homeowner's exemption	$71,850 Land $6,980 Building $64,870
2021			$71,850 Land $6,980 Building $64,870

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Fayette County (19065C), updated March 13, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190650806003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	8 in force
Nearby Flood Claims	20 (1991–2016)
Claims Outside the SFHA	2 of 20
Most Recent Claim	Aug 2016, river or lake flooding, Severe Storms, Straight-line Winds, And Flooding
Claims By Storm	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 3 claims Severe Storms & Flooding, Aug 1993 · 16 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 192 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
Alpine Communications	Fiber	500 / 500

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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