Fayette County property record for 908 Franklin St, Elgin, IA 52141
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,484 sqft · built 1900 |
| Lot Size | 0.182 acres (7,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Mar 2023) |
| Tax Bill | $1,288 (2026) |
| Deeds & Mortgages | Mar 2023 Line of Credit Mar 2023 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0814306003 |
| Primary APN | 0814306003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,484 sqft Living Area |
| 1st Floor Area | 688 sqft |
| Basement Area | 516 sqft |
| Unfinished Basement | 516 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,920 sqft (0.182 acres) |
| Lot Dimensions | 120 ft deep x 66 ft wide |
| Garage Type | Attached |
| Garage Area | 222 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 112 sqft |
| Deck Area | 219 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 908 FRANKLIN ST |
|---|---|
| City | ELGIN |
| State | IA |
| Zip | 52141-9320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 & W 1/2 LOT 5 BLK 3 FORBES 2ND ADD |
| Legal Subdivision | FORBES 2ND ADD |
| Legal Block | 3 |
| Legal Lot Number | 5,6 |
| Jurisdiction | FAYETTE IA |
| Township / Civil Division | PLEASANT VALLEY |
| Census Block Group | 3 |
| Census Block | 3043 |
| Census Tract | 80600 |
908 Franklin St is owned and occupied by an individual who bought it in March 2023.
Source: Fayette County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 908 FRANKLIN ST, ELGIN, IA 52141-9320 |
| 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 |
|---|---|
| Mar 2, 2023 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Mar 2, 2023 | Warranty Deed, Transfer · Line of Credit VERIDIAN CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 2023 · Amount on File |
| Deed Sale | Mar 2, 2023 · Amount on File |
| Prior Sale | May 23, 2013 · Amount on File |
| Deed Document Number | 2023536 |
| Deed Book / Page | 2023 / 536 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE IA |
| Property Address | 908 FRANKLIN ST, ELGIN, IA 52141-9320 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002023/538 |
|---|---|
| Date | Mar 2, 2023 |
| Book Page | 2023/538 |
| Instrument | 2023-0538 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Mar 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FAYETTE IA |
| Recording Date | Mar 2, 2023 |
| Property Address | 908 FRANKLIN ST, ELGIN, IA 52141-9320 |
| Document Number | 002023/536 |
| Book / Page | 2023 / 536 |
| Instrument Date | Feb 22, 2023 |
| Instrument | 2023-0536 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $143.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 908 FRANKLIN ST, ELGIN, IA 52141-9320 |
| Document Number | 002023/537 |
|---|---|
| Date | Mar 2, 2023 |
| Book Page | 2023/537 |
| Instrument | 2023-0537 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 4.38% |
| Max Rate At Change | 8.38% |
| Index | 1-Year CMT |
| Max Rate | 12.3% |
The 2026 property tax bill for 908 Franklin St was $1,288 with a homeowner's exemption.
Source: Fayette County assessment roll, as of October 6, 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 |
|---|---|---|---|
| 2026 | $1,288.00 | $97,900 (-) Land $7,680 Building $90,220 | $97,900 (-) Land $7,680 Building $90,220 |
| 2025 | $1,288.00 (+12.39%) Homeowner's exemption | $97,900 Land $7,680 Building $90,220 | $97,900 Land $7,680 Building $90,220 |
| 2024 | $1,146.00 | ||
| 2023 | $83,930 (+26.32%) Land $7,680 Building $76,250 | $83,930 Land $7,680 Building $76,250 | |
| 2022 | $1,174.00 Homeowner's exemption | $66,440 Land $6,400 Building $60,040 | |
| 2021 | $66,440 Land $6,400 Building $60,040 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 908 Franklin St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 908 Franklin St is low, with 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 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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