Howard County property record for 709 3rd St, Elma, IA 50628
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 1 ba · 1,248 sqft · built 1977 |
| Lot Size | 0.271 acres (11,805 sqft) |
| Owner | Company Name on File |
| Tax Bill | $836 (2026) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 300060014010000 |
| Primary APN | 300060014010000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 11,805 sqft (0.271 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 200 sqft |
| Patio Area | 260 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 709 3RD ST |
|---|---|
| City | ELMA |
| State | IA |
| Zip | 50628-8001 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | LOTS 14 & 15 IR SURV SW SW |
| Legal Range | 13W |
| Legal Township | 97N |
| Legal Section | 06 |
| Jurisdiction | HOWARD IA |
| Township / Civil Division | HOWARD |
| Census Block Group | 2 |
| Census Block | 2175 |
| Census Tract | 960300 |
709 3rd St, a mobile home, is owned by a company that acquired it in December 2023.
Source: Howard County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 711 3RD ST, ELMA, IA 50628-8001 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Last Transfer Date | Dec 15, 2023 |
| Transfer Doc | 0000001904 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HOWARD IA |
| Recording Date | Feb 9, 2022 |
| Property Address | 709 3RD ST, ELMA, IA 50628-8001 |
| Document Number | 002022/201 |
| Book / Page | 2022 / 201 |
| Instrument Date | Feb 1, 2022 |
| Instrument | 2022 0201 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $135.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 709 3RD ST, ELMA, IA 50628-8001 |
| Investor | Possibly a Property Investor |
| Document Number | 0020220195 |
|---|---|
| Date | Feb 9, 2022 |
| Instrument | 2022 0195 |
| Name | HOME TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Number | 002022/195 |
|---|---|
| Date | Feb 8, 2022 |
| Book Page | 2022/195 |
| Instrument | 2022 0195 |
| Name | HOME TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 709 3rd St was $836.
Source: Howard County assessment roll, as of October 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Howard County |
| Municipality | Elma City |
| Unified School District | Howard-Winneshiek Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $836.00 | $47,190 (-) Land $6,770 Building $40,420 | $47,190 (-) Land $6,770 Building $40,420 |
| 2025 | $836.00 (-6.49%) | $47,190 Land $6,770 Building $40,420 | $47,190 Land $6,770 Building $40,420 |
| 2024 | $894.00 | ||
| 2023 | $42,060 (+29.06%) Land $6,770 Building $35,290 | $42,060 Land $6,770 Building $35,290 | |
| 2022 | $828.00 | $32,590 Land $6,770 Building $25,820 | |
| 2021 | $32,590 Land $6,770 Building $25,820 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 709 3rd St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 6 (1993–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Aug 2021 · rainfall accumulation |
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 709 3rd St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELMA WATER SUPPLY serves 505 people · EPA ID IA4525017 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 5 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Windstream DSL | 200 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| Nextlink Fixed Wireless | 100 / 20 |
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