Howard County property record for 809 Main St, Elma, IA 50628
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,703 sqft · built 1891 |
| Lot Size | 0.321 acres (13,983 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $28,000 (Apr 2016) |
| Tax Bill | $1,284 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 300024913010000 |
| Primary APN | 300024913010000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,703 sqft Living Area |
| Basement Area | 140 sqft |
| Unfinished Basement | 140 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1891 |
|---|---|
| Effective Year Built | Effective 1891 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,983 sqft (0.321 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 275 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 809 MAIN ST |
|---|---|
| City | ELMA |
| State | IA |
| Zip | 50628-8218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 13 & 14 BLK 49L POTTERS DIV |
| Legal Subdivision | L POTTERS DIV |
| Legal Block | 49 |
| Legal Lot Number | 13 & 14 |
| Jurisdiction | HOWARD IA |
| Township / Civil Division | AFTON |
| Census Block Group | 2 |
| Census Block | 2150 |
| Census Tract | 960300 |
Source: Howard County records, as of May 27, 2026
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 |
|---|---|
| Mailing Address | 809 MAIN ST, ELMA, IA 50628-8218 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2016 · Amount on Record |
| Deed Sale | Apr 6, 2016 · Amount on Record |
| Deed Document Number | 2016473 |
| Deed Book / Page | 2016 / 473 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD IA |
| Property Address | 809 MAIN ST, ELMA, IA 50628-8218 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000000994 |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 0000002018/0000000994 |
| Instrument | 000000000994 |
| Name | FIRST CITIZENS COMMUNITY BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
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 |
|---|---|---|---|
| 2025 | $1,284.00 Homeowner's exemption | $79,140 (+12.05%) Land $6,620 Building $72,520 | $79,140 (+12.05%) Land $6,620 Building $72,520 |
| 2024 | $1,284.00 (+12.63%) | ||
| 2023 | $70,630 (+31.31%) Land $6,620 Building $64,010 | $70,630 (+31.31%) Land $6,620 Building $64,010 | |
| 2022 | $1,140.00 Homeowner's exemption | $53,790 Land $6,620 Building $47,170 | |
| 2021 | $53,790 Land $6,620 Building $47,170 |
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 September 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 68% 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 | 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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