609 Main St, Elgin, IA 52141 Property Records

Fayette County property record for 609 Main St, Elgin, IA 52141

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,284 sqft · built 1910
Lot Size	0.314 acres (13,680 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Oct 2022)
Tax Bill	$1,874 (2026)
Deeds & Mortgages	Oct 2022 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`0814329004`

Property Details

APN / Parcel Number

Primary APN	`0814329004`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,284 sqft Living Area
1st Floor Area	892 sqft
Basement Area	892 sqft
Unfinished Basement	892 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Victorian
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,680 sqft (0.314 acres)
Lot Dimensions	120 ft deep x 114 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	120 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	609 MAIN ST
City	ELGIN
State	IA
Zip	52141-9619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLK 4 SUTTERS ADD & COM NW COR LOT 10 BLK 4 SUTTERS ADD TH W 87 1/4' S 120' E 87 1/4' N TO BEG
Legal Subdivision	SUTTERS ADD
Legal Block	4
Legal Lot Number	10
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	3
Census Block	3031
Census Tract	80600

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	609 MAIN ST, ELGIN, IA 52141-9619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2022 · Amount on Record
Deed Sale	Oct 6, 2022 · Amount on Record
Prior Sale	Jul 15, 2013 · Amount on Record
Deed Document Number	20223102
Deed Book / Page	2022 / 3102
Record Updated	Oct 29, 2026

October 2022: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	FAYETTE IA
Recording Date	Oct 6, 2022
Property Address	609 MAIN ST, ELGIN, IA 52141-9619
Document Number	02022/3102
Book / Page	2022 / 3102
Instrument Date	Oct 6, 2022
Instrument	2022-3102
Transaction Type	Foreclosure
Record Updated	Dec 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 MAIN ST, ELGIN, IA 52141-9619

Mortgage

Document Number	02022/3152
Date	Oct 13, 2022
Book Page	2022/3152
Instrument	2022-3152

Lender

Name	FREEDOM BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 1, 2027

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,874.00	$126,550 (-) Land $12,610 Building $113,940	$126,550 (-) Land $12,610 Building $113,940
2025	$1,874.00 (+5.88%)	$126,550 (+11.2%) Land $12,610 Building $113,940	$126,550 (+11.2%) Land $12,610 Building $113,940
2024	$1,770.00 (-6.25%)
2023		$113,800 (+22.87%) Land $12,610 Building $101,190	$113,800 (+22.87%) Land $12,610 Building $101,190
2022	$1,888.00 Homeowner's exemption	$92,620 Land $10,510 Building $82,110
2021			$92,620 Land $10,510 Building $82,110

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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	None beyond 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	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 192 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