Fayette County property record for 809 Main St, Elgin, IA 52141
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,400 sqft · built 1866 |
| Lot Size | 0.121 acres (5,280 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $58,000 (Jan 2012) |
| Tax Bill | $1,276 (2024) |
| Deeds & Mortgages | Dec 2022 Mortgage Sep 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0814327002 |
| Primary APN | 0814327002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,400 sqft Living Area |
| 1st Floor Area | 560 sqft |
| Basement Area | 448 sqft |
| Finished Basement | 350 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1866 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,280 sqft (0.121 acres) |
| Lot Dimensions | 120 ft deep x 44 ft wide |
| Garage Type | Detached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 160 sqft |
| Patio Area | 528 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Water Source | Commercial |
| Street Address | 809 MAIN ST |
|---|---|
| City | ELGIN |
| State | IA |
| Zip | 52141-9621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 BLK 2 FORBES ADD |
| Legal Subdivision | FORBES |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | FAYETTE IA |
| Township / Civil Division | PLEASANT VALLEY |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 80600 |
Source: Fayette County records, as of October 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 809 MAIN ST, ELGIN, IA 52141-9621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage KERNDT BROTHERS SAVINGS BANK |
| Sep 22, 2017 | Deed of Trust, Mortgage · Line of Credit KERNDT BROTHERS SAVINGS BANK |
| Nov 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage KERNDT BROTHERS SAVINGS BANK |
| Nov 28, 2017 | Deed of Trust, Mortgage · Line of Credit KERNDT BROTHERS SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2012 · Amount on Record |
| Deed Sale | Jan 26, 2012 · Amount on Record |
| Deed Document Number | 0002012280 |
| Deed Book / Page | 2005 / 1271 |
| Prior Transfer Date | Apr 22, 2005 |
| Prior Transfer Doc | 2005 1271 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE IA |
| Property Address | 809 MAIN ST, ELGIN, IA 52141-9621 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02022/3811 |
|---|---|
| Date | Dec 7, 2022 |
| Book Page | 2022/3811 |
| Instrument | 2022-3811 |
| Name | KERNDT BROTHERS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 15, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE IA |
| Property Address | 809 MAIN ST, ELGIN, IA 52141-9621 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02017/2563 |
|---|---|
| Date | Sep 22, 2017 |
| Book Page | 2017/2563 |
| Instrument | 2017 2563 |
| Name | KERNDT BROTHERS SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | LANSING, IA 52151 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Aug 15, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE IA |
| Property Address | 809 MAIN ST, ELGIN, IA 52141-9621 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02017/3247 |
|---|---|
| Date | Nov 28, 2017 |
| Book Page | 2017/3247 |
| Instrument | 2017 3247 |
| Name | KERNDT BROTHERS SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | LANSING, IA 52151 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE IA |
| Property Address | 809 MAIN ST, ELGIN, IA 52141-9621 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02017/3248 |
|---|---|
| Date | Nov 28, 2017 |
| Book Page | 2017/3248 |
| Instrument | 2017 3248 |
| Name | KERNDT BROTHERS SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | LANSING, IA 52151 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Dec 15, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Fayette County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Fayette County |
| Municipality | Elgin City |
| Unified School District | North Fayette Valley Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $105,710 (+14.48%) Land $5,120 Building $100,590 | $105,710 (+14.48%) Land $5,120 Building $100,590 | |
| 2024 | $1,276.00 (-3.63%) | ||
| 2023 | $92,340 (+25.14%) Land $5,120 Building $87,220 | $92,340 (+25.14%) Land $5,120 Building $87,220 | |
| 2022 | $1,324.00 Homeowner's exemption | $73,790 Land $4,270 Building $69,520 | |
| 2021 | $73,790 Land $4,270 Building $69,520 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 20 (1991–2016) |
| Claims Outside the SFHA | 2 of 20 |
| Most Recent Claim | Aug 2016 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
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.
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 | 0.01% 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 | ELGIN MUNICIPAL WATER SUPPLY serves 685 people · EPA ID IA3338010 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 9 ppb (2022–2024) 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 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Alpine Communications Fiber | 500 / 500 |
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