Howard County property record for 710 Main St, Elma, IA 50628
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,100 sqft · built 1893 |
| Lot Size | 0.321 acres (13,983 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $50,000 (May 2023) |
| Tax Bill | $858 (2026) |
| Deeds & Mortgages | May 2023 Sale Apr 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 300024705010000 |
| Primary APN | 300024705010000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,100 sqft Living Area |
| Basement Area | 1,100 sqft |
| Unfinished Basement | 1,100 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1893 |
|---|---|
| Effective Year Built | Effective 1893 |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 13,983 sqft (0.321 acres) |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 70 sqft |
| Patio Area | 210 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 710 MAIN ST |
|---|---|
| City | ELMA |
| State | IA |
| Zip | 50628-8215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 5, 6, 7 & 8 BLK 47 L POTTERS DIV |
| Legal Subdivision | L POTTERS DIV |
| Legal Block | 47 |
| Legal Lot Number | 5 |
| Jurisdiction | HOWARD IA |
| Township / Civil Division | AFTON |
| Census Block Group | 2 |
| Census Block | 2219 |
| Census Tract | 960300 |
710 Main St is owned and occupied by two individuals who bought it in May 2023.
Source: Howard County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 710 MAIN ST, ELMA, IA 50628-8215 |
| 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.
| Date | Document |
|---|---|
| May 2, 2023 | Warranty Deed, Transfer |
| Apr 12, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST SECURITY SAVINGS BANK |
| Apr 12, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2023 · Amount on File |
| Deed Sale | May 2, 2023 · Amount on File |
| Prior Sale | Apr 12, 2018 · Amount on File |
| Deed Document Number | 2023546 |
| Deed Book / Page | 2023 / 546 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HOWARD IA |
| Recording Date | May 2, 2023 |
| Property Address | 710 MAIN ST, ELMA, IA 50628-8215 |
| Document Number | 002023/546 |
| Book / Page | 2023 / 546 |
| Instrument Date | May 1, 2023 |
| Instrument | 2023 0546 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $79.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 710 MAIN ST, ELMA, IA 50628-8215 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD IA |
| Property Address | 710 MAIN ST, ELMA, IA 50628-8215 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000000570 |
|---|---|
| Date | Apr 12, 2018 |
| Book Page | 0000002018/0000000570 |
| Instrument | 000000000570 |
| Name | FIRST SECURITY SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HOWARD IA |
| Recording Date | Apr 12, 2018 |
| Property Address | 710 MAIN ST, ELMA, IA 50628-8215 |
| Document Number | 2018/569 |
| Book / Page | 2018 / 569 |
| Instrument Date | Mar 19, 2018 |
| Instrument | 000000000569 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 N DOUGLAS ST, IONIA, IA 50645-9529 |
The 2026 property tax bill for 710 Main St was $858.
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 | $858.00 | $48,450 (-) Land $6,620 Building $41,830 | $48,450 (-) Land $6,620 Building $41,830 |
| 2025 | $858.00 (-5.92%) | $48,450 Land $6,620 Building $41,830 | $48,450 Land $6,620 Building $41,830 |
| 2024 | $912.00 | ||
| 2023 | $42,840 (+30.37%) Land $6,620 Building $36,220 | $42,840 Land $6,620 Building $36,220 | |
| 2022 | $834.00 (+19.48%) | $32,860 Land $6,620 Building $26,240 | |
| 2021 | $698.00 | $32,860 Land $6,620 Building $26,240 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 710 Main St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1993.
Source: FEMA National Flood Hazard Layer, effective September 16, 2011 · 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 |
| 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 710 Main 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 99.1% of the US · lower than 91% 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 101 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| GigFire Fixed Wireless | 150 / 130 |
| Nextlink Fixed Wireless | 100 / 20 |
| Windstream DSL | 100 / 20 |
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