609 Mill St, Elgin, IA 52141 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,156 sqft · built 1967
Lot Size	0.358 acres (15,600 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,840 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0813303004`

Property Details

APN / Parcel Number

Primary APN	`0813303004`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,156 sqft Living Area
1st Floor Area	2,156 sqft
Basement Area	2,156 sqft
Finished Basement	1,100 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,600 sqft (0.358 acres)
Lot Dimensions	120 ft deep x 130 ft wide
Deck Area	231 sqft
Patio Area	442 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	609 MILL ST
City	ELGIN
State	IA
Zip	52141-9317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 9 TO 12 BLK 3 & 28' VAC ALLEY ADJ LOT 12 ON S SCHORI ADD
Legal Subdivision	SCHORI
Legal Block	3
Legal Lot Number	9,12
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	3
Census Block	3011
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	2 Individual Names on Record
Mailing Address	609 MILL ST, ELGIN, IA 52141-9317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage LUANNA SAVINGS BANK
Feb 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage LUANA SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	609 MILL ST, ELGIN, IA 52141-9317
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/3136
Date	Aug 30, 2021
Book Page	2021/3136
Instrument	2021-3136

Lender

Name	LUANNA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	609 MILL ST, ELGIN, IA 52141-9317
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/0258
Date	Feb 1, 2017
Book Page	2017/0258
Instrument	2017 0258

Lender

Name	LUANA SAVINGS BANK
Type	Bank
Address	LUANA, IA 52156

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2047

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	$3,840.00	$270,200 (-) Land $17,020 Building $253,180	$270,200 (-) Land $17,020 Building $253,180
2025	$3,840.00 (+10.79%) Homeowner's exemption	$270,200 (+15.89%) Land $17,020 Building $253,180	$270,200 (+15.89%) Land $17,020 Building $253,180
2024	$3,466.00 (-2.91%)
2023		$233,150 (+26.71%) Land $17,020 Building $216,130	$233,150 (+26.71%) Land $17,020 Building $216,130
2022	$3,570.00 Homeowner's exemption	$184,010 Land $14,190 Building $169,820
2021			$184,010 Land $14,190 Building $169,820

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
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	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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