6445 Harding Rd, Elgin, IA 52141 Property Records

Fayette County property record for 6445 Harding Rd, Elgin, IA 52141

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,981 sqft · built 1915
Lot Size	21.4 acres (932,184 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,124 (2026)
Deeds & Mortgages	May 2017 Line of Credit Mar 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`0806400002`

Property Details

APN / Parcel Number

Primary APN	`0806400002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,981 sqft Living Area
1st Floor Area	936 sqft
Basement Area	1,326 sqft
Finished Basement	350 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	932,184 sqft (21.4 acres)

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Deck Area	193 sqft
Shed	1 Shed
Milk House	Milk House

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	6445 HARDING RD
City	ELGIN
State	IA
Zip	52141-9682
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22.60A S OF RD IN W 1/2 SE
Jurisdiction	FAYETTE IA
Township / Civil Division	PLEASANT VALLEY
Census Block Group	1
Census Block	1081
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 Company Names on Record
Mailing Address	6445 HARDING RD, ELGIN, IA 52141-9682
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 16, 2017	Deed of Trust, Mortgage · Line of Credit KERNDT BROTHERS SAVINGS BANK
Mar 8, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	6445 HARDING RD, ELGIN, IA 52141-9682
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/1158
Date	May 16, 2017
Book Page	2017/1158
Instrument	2017 1158

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank
Address	WEST UNION, IA 52175

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FAYETTE IA
Recording Date	Mar 8, 2024
Property Address	6445 HARDING RD, ELGIN, IA 52141-9682
Document Number	002024/593
Book / Page	2024 / 593
Instrument Date	Mar 5, 2024
Instrument	2024 593
Transaction Type	Transfer
Record Updated	May 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6445 HARDING RD, ELGIN, IA 52141-9682

Tax Assessment & Valuation

Source: Fayette County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Fayette County
Unified School District	North Fayette Valley Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,124.00	$332,180 (-) Land $144,000 Building $188,180	$332,180 (-) Land $144,000 Building $188,180
2025	$3,124.00 (-1.2%) Homeowner's exemption	$332,180 (+8.3%) Land $144,000 Building $188,180	$332,180 (+8.3%) Land $144,000 Building $188,180
2024	$3,162.00 (+2.53%)
2023		$306,710 (+26.95%) Land $144,000 Building $162,710	$306,710 (+26.95%) Land $144,000 Building $162,710
2022	$3,084.00	$241,600 Land $111,500 Building $130,100
2021			$241,600 Land $111,500 Building $130,100

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 Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2016 · Severe Storms, Straight-line Winds, And Flooding

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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Acentek Fiber	1,000 / 1,000
GigFire Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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