Fayette County property record for 6905 Harding Rd, Elgin, IA 52141
| Property Type | Rural Home |
|---|---|
| Details | 5 bd · 3 ba · 2,626 sqft · built 1911 |
| Lot Size | 7.63 acres (332,363 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,170 (2026) |
| Deeds & Mortgages | Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0806300006 |
| Primary APN | 0806300006 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,626 sqft Living Area |
| 1st Floor Area | 784 sqft |
| Basement Area | 1,536 sqft |
| Finished Basement | 500 sqft |
| Unfinished Basement | 784 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 332,363 sqft (7.63 acres) |
| Garage Type | Attached |
| Garage Area | 1,414 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 386 sqft |
| Deck Area | 158 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 6905 HARDING RD |
|---|---|
| City | ELGIN |
| State | IA |
| Zip | 52141-9681 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PARCEL C SW, SURVEY BK 2010/456 |
| Jurisdiction | FAYETTE IA |
| Township / Civil Division | PLEASANT VALLEY |
| Census Block Group | 1 |
| Census Block | 1081 |
| Census Tract | 80600 |
6905 Harding Rd, a rural home, is owned and occupied by an individual.
Source: Fayette County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6905 HARDING RD, ELGIN, IA 52141-9681 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE IA |
| Property Address | 6905 HARDING RD, ELGIN, IA 52141-9681 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000002871 |
|---|---|
| Date | Oct 9, 2018 |
| Book Page | 0000002018/0000002871 |
| Instrument | 000000002871 |
| Name | LUANA SAVINGS BANK |
|---|
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 6905 Harding Rd was $3,170 with a homeowner's exemption.
Source: Fayette County assessment roll, as of October 6, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Fayette County |
| Unified School District | North Fayette Valley Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,170.00 | $332,860 (-) Land $7,440 Building $325,420 | $332,860 (-) Land $7,440 Building $325,420 |
| 2025 | $3,170.00 (+5.32%) Homeowner's exemption | $332,860 Land $7,440 Building $325,420 | $332,860 Land $7,440 Building $325,420 |
| 2024 | $3,010.00 | ||
| 2023 | $287,680 (+22.96%) Land $5,930 Building $281,750 | $287,680 Land $5,930 Building $281,750 | |
| 2022 | $2,938.00 Homeowner's exemption Additional exemption filed | $233,970 Land $4,670 Building $229,300 | |
| 2021 | $233,970 Land $4,670 Building $229,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6905 Harding Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 risk around 6905 Harding Rd is low, with a 0.03% annual chance of 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.
Source: FCC Broadband Data Collection, based on 2 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 |
5G and 4G LTE (outdoors only)
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