127 640th St, Alta, IA 51002 Property Records

Buena Vista County property record for 127 640th St, Alta, IA 51002

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,064 sqft · built 1920
Lot Size	16.1 acres (705,236 sqft)
Owner	Individual Name on File
Tax Bill	$3,268 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jun 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-19-300-004`

Property Details

APN / Parcel Number

Primary APN	`13-19-300-004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,064 sqft Living Area
1st Floor Area	672 sqft
Basement Area	1,392 sqft
Finished Basement	1,050 sqft
Unfinished Basement	1,392 sqft
Game Room	Game Room
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	705,236 sqft (16.1 acres)
Garage Type	Attached
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	560 sqft
Patio Area	180 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	127 640TH ST
City	ALTA
State	IA
Zip	51002-7583
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	19-90-38 ALTA MAPLE VALLEY 16.19 A IN S 1/2 SW
Legal Subdivision	ALTA MAPLE VALLEY
Jurisdiction	BUENA VISTA IA
Township / Civil Division	MAPLE VALLEY
Census Block Group	1
Census Block	1071
Census Tract	960600

Owner

127 640th St, a rural home, is owned and occupied by an individual.

Source: Buena Vista County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	127 640TH ST, ALTA, IA 51002-7583
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS FIRST NATIONAL BANK
Jun 25, 2018	Deed of Trust, Mortgage CITIZENS FIRST BANK
May 15, 2018	Deed of Trust, Mortgage CITIZENS FIRST BANK
Mar 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS FIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	127 640TH ST, ALTA, IA 51002-7583
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232205
Date	Oct 2, 2023
Instrument	232205

Lender

Name	CITIZENS FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	127 640TH ST, ALTA, IA 51002-7583
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000000181496
Date	Jun 25, 2018
Instrument	000000181496

Lender

Name	CITIZENS FIRST BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	175 Months
Due	Jan 1, 2033

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	127 640TH ST, ALTA, IA 51002-7583
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000000181101
Date	May 15, 2018
Instrument	000000181101

Lender

Name	CITIZENS FIRST BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	176 Months
Due	Jan 1, 2033

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	127 640TH ST, ALTA, IA 51002-7583
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190563
Date	Mar 12, 2019
Instrument	190563

Lender

Name	CITIZENS FIRST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 127 640th St was $3,268, down 6.2% from the year before.

Source: Buena Vista County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Buena Vista County
Unified School District	Alta-Aurelia Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$296,100 (+7.12%) Land $26,400 Building $269,700	$296,100 (+7.12%) Land $26,400 Building $269,700
2025	$3,268.00 (-6.2%)	$276,410 Land $26,350 Building $250,060	$276,410 Land $26,350 Building $250,060
2024	$3,484.00
2023		$266,550 (+36.46%) Land $19,130 Building $247,420	$266,550 Land $19,130 Building $247,420
2022	$2,824.00 Additional exemption filed	$195,330 Land $15,460 Building $179,870
2021			$195,330 Land $15,460 Building $179,870

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 127 640th 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 October 13, 2022 · 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
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · tidal / storm surge

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

Wildfire risk around 127 640th 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 99.8% of the US · lower than 98.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comserv Fiber	500 / 500

Cell Coverage

4G LTE only, no 5G reported

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