261 640th St, Alta, IA 51002 Property Records

Buena Vista County property record for 261 640th St, Alta, IA 51002

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,264 sqft · built 1902
Lot Size	19.5 acres (851,598 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Apr 2026)
Tax Bill	$2,606 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jan 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-20-400-010`

Property Details

APN / Parcel Number

Primary APN	`13-20-400-010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,264 sqft Living Area
1st Floor Area	864 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1945
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	851,598 sqft (19.5 acres)
Garage Type	Attached
Garage Area	608 sqft
Parking Spaces	2 Parking Spaces
Deck Area	482 sqft
Patio Area	482 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	261 640TH ST
City	ALTA
State	IA
Zip	51002-7584
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	20-90-38 ALTA MAPLE VALLEY IRR PARC SW SE & LOT A IN S 1/2 SE
Legal Subdivision	ALTA MAPLE VALLEY
Legal Lot Number	A
Jurisdiction	BUENA VISTA IA
Township / Civil Division	MAPLE VALLEY
Census Block Group	1
Census Block	1072
Census Tract	960600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	261 640TH ST, ALTA, IA 51002-7584
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK
Jan 6, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2026 · Amount on Record
Deed Sale	Apr 9, 2026 · Amount on Record
Deed Document Number	2026815
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUENA VISTA IA
Recording Date	Apr 9, 2026
Property Address	261 640TH ST, ALTA, IA 51002-7584
Document Number	0000000815
Instrument Date	Apr 7, 2026
Instrument	2026.815
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,479.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 640TH ST, ALTA, IA 51002-7584

Mortgage

Document Number	0000000816,
Date	Apr 9, 2026
Instrument	2026..816

Lender

Name	CENTRAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	261 640TH ST, ALTA, IA 51002-7584
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000260021
Date	Jan 6, 2026
Instrument	260021

Lender

Name	CITIZENS FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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		$231,700 (+0.94%) Land $41,400 Building $190,300	$231,700 (+0.94%) Land $41,400 Building $190,300
2025	$2,606.00 (-4.47%) Homeowner's exemption	$229,550 (+5.75%) Land $41,400 Building $188,150	$229,550 (+5.75%) Land $41,400 Building $188,150
2024	$2,728.00 (+20.49%)
2023		$217,070 (+32.89%) Land $29,970 Building $187,100	$217,070 (+32.89%) Land $29,970 Building $187,100
2022	$2,264.00 Homeowner's exemption Additional exemption filed	$163,350 Land $24,200 Building $139,150
2021			$163,350 Land $24,200 Building $139,150

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
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

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	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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)
Starlink Satellite	280 / 30
Evertek Fixed Wireless	50 / 5
Northwest Communications Fixed Wireless	25 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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