610 Elm St, Atlantic, IA 50022 Property Records

Cass County property record for 610 Elm St, Atlantic, IA 50022

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,200 sqft · built 1880
Lot Size	0.262 acres (11,410 sqft)
Owner	Company Name on Record
Last Sale	$50,000 (Jul 2024)
Tax Bill	$1,354 (2026)
Deeds & Mortgages	Jul 2024 Sale & Line of Credit Dec 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`303005505001000`

Property Details

APN / Parcel Number

Primary APN	`303005505001000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	617 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,410 sqft (0.262 acres)
Garage Type	Detached
Garage Area	1,023 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	163 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	610 ELM ST
City	ATLANTIC
State	IA
Zip	50022-1548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 15-16-17 & N 6 1/2' LOT 14 BLK 45
Legal Subdivision	ORIGINAL TOWN - ATLANTIC
Legal Block	45
Legal Lot Number	14-17
Jurisdiction	CASS IA
Township / Civil Division	GROVE
Census Block Group	2
Census Block	2145
Census Tract	190500

Owner

Source: Cass 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	Company Name on Record
Mailing Address	PO BOX 194, GRISWOLD, IA 51535-0194
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2024	Warranty Deed, Transfer · Line of Credit FIRST WHITNEY BANK & TRUST
Dec 15, 2022	Deed of Trust, Mortgage · Line of Credit FIRST WHITNEY BANK & TRUST
Jun 4, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2024 · Amount on Record
Deed Sale	Jul 29, 2024 · Amount on Record
Prior Sale	Jun 4, 2021 · Amount on Record
Deed Book / Page	2024 / 1162
Prior Transfer Date	Oct 1, 2013
Prior Transfer Doc	02013/2271
Record Updated	Oct 29, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS IA
Recording Date	Jul 29, 2024
Property Address	610 ELM ST, ATLANTIC, IA 50022-1548
Document Number	02024/1162
Book / Page	2024 / 1162
Instrument Date	Jul 24, 2024
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 2ND ST, GRISWOLD, IA 51535-8084

Mortgage

Document Number	0020241163
Date	Jul 29, 2024
Instrument	2024/1163

Lender

Name	FIRST WHITNEY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	610 ELM ST, ATLANTIC, IA 50022-1548
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2045
Date	Dec 15, 2022
Book Page	2022/2045
Instrument	2022-2045

Lender

Name	FIRST WHITNEY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	72 Months
Due	Feb 14, 2028

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS IA
Recording Date	Jun 4, 2021
Property Address	610 ELM ST, ATLANTIC, IA 50022-1548
Document Number	02021/1223
Book / Page	2021 / 1223
Instrument Date	May 27, 2021
Instrument	2021-1223
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount Recorded
Tax	$76.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 ELM ST, ATLANTIC, IA 50022-1548

Tax Assessment & Valuation

Source: Cass County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Cass County
Municipality	Atlantic City
Unified School District	Atlantic Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,354.00	$78,710 (-) Land $8,720 Building $69,990	$78,710 (-) Land $8,720 Building $69,990
2025	$1,354.00 (+15.14%)	$78,710 (+20.44%) Land $8,720 Building $69,990	$78,710 (+20.44%) Land $8,720 Building $69,990
2024	$1,176.00 (+23.27%)
2023		$65,350 Land $8,720 Building $56,630	$65,350 Land $8,720 Building $56,630
2022	$954.00

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 May 16, 2017 · 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	5 in force
Nearby Flood Claims	6 (1993–2015)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jun 2015 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes And Flooding, Jun 1998 · 4 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	Not rated no burnable land within 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	ATLANTIC MUNICIPAL UTILITIES serves 7,252 people · EPA ID IA1509074
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) 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 505 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon, Western Iowa Wireless.

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