305 S State St, Lamoni, IA 50140 Property Records

Decatur County property record for 305 S State St, Lamoni, IA 50140

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,756 sqft · built 1880
Lot Size	0.548 acres (23,899 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Aug 2023)
Tax Bill	$3,058 (2024)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1311103001`

Property Details

APN / Parcel Number

Primary APN	`1311103001`

Interior

Full Baths	2 Baths
Building Area	1,756 sqft Living Area
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Wood
Lot Area	23,899 sqft (0.548 acres)
Garage Type	Detached
Garage Area	560 sqft

Location & Zoning

Street Address	305 S STATE ST
City	LAMONI
State	IA
Zip	50140-1423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTRAL ADDN. 131'N & S X 182' E & W IN NW COR LOT 4 BLK 9
Legal Subdivision	CENTRAL ADD
Legal Block	9
Legal Lot Number	4
Jurisdiction	DECATUR IA
Township / Civil Division	LAMONI
Census Block Group	3
Census Block	3005
Census Tract	960200

Owner

Source: Decatur County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	305 S STATE ST, LAMONI, IA 50140-1423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Warranty Deed, Transfer · FHA Mortgage US BANK NA
Jan 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CHOICE CU
Oct 26, 2020	Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2023 · Amount on Record
Deed Sale	Aug 1, 2023 · Amount on Record
Prior Sale	Oct 26, 2020 · Amount on Record
Deed Document Number	2023888
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR IA
Recording Date	Aug 1, 2023
Property Address	305 S STATE ST, LAMONI, IA 50140-1423
Document Number	0020230888
Instrument Date	Jul 27, 2023
Instrument	2023-0888
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$301.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 S STATE ST, LAMONI, IA 50140-1423

Mortgage

Document Number	0020230891
Date	Aug 1, 2023
Instrument	2023-0891

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR IA
Property Address	305 S STATE ST, LAMONI, IA 50140-1423
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02018/0013
Date	Jan 3, 2018
Book Page	2018/0013
Instrument	2018-0013

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	CLIVE, IA 50325

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	DECATUR IA
Recording Date	Oct 26, 2020
Property Address	305 S STATE ST, LAMONI, IA 50140-1423
Document Number	0020201360
Instrument Date	Oct 23, 2020
Instrument	2020-1360
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 S STATE ST, LAMONI, IA 50140-1423

Mortgage

Document Number	0020201363
Date	Oct 26, 2020
Instrument	2020-1363

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Decatur County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Decatur County
Municipality	Lamoni City
Unified School District	Lamoni Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$175,950 (-) Land $23,480 Building $152,470	$175,950 (-) Land $23,480 Building $152,470
2025		$175,950 (+33.5%) Land $23,480 Building $152,470	$175,950 (+33.5%) Land $23,480 Building $152,470
2024	$3,058.00 (+10.24%)
2023		$131,800 (+30.16%) Land $14,670 Building $117,130	$131,800 (+30.16%) Land $14,670 Building $117,130
2022		$101,262 Land $11,764 Building $89,498
2021	$2,774.00		$101,262 Land $11,764 Building $89,498

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 16, 2018 · 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 Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding

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 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAMONI MUNICIPAL UTILITIES serves 2,029 people · EPA ID IA2740050
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity not recorded as resolved · Jun 2026 Treatment failure resolved · Mar 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Grand River Mutual Telephone Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Lockridge Networks Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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