325 W 3rd St, Lamoni, IA 50140 Property Records

Decatur County property record for 325 W 3rd St, Lamoni, IA 50140 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,572 sqft · built 1980
Lot Size	0.241 acres (10,502 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Aug 2024)
Tax Bill	$2,708 (2024)
Deeds & Mortgages	Apr 2017 Mortgage Apr 2018 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`1311103010`

Property Details

APN / Parcel Number

Primary APN	`1311103010`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,572 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	10,502 sqft (0.241 acres)

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	325 W 3RD ST
City	LAMONI
State	IA
Zip	50140-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTRAL ADDN. E 60' OF N 150' OF LOT 3 & W 10' OF N 200' OF LOT 2 ALL BLK 9
Legal Subdivision	CENTRAL ADDITION
Legal Block	9
Legal Lot Number	2-3
Jurisdiction	DECATUR IA
Township / Civil Division	LAMONI
Census Block Group	3
Census Block	3005
Census Tract	960200

Owner

Source: Decatur County records · APN 1311103010

Assessment roll updated March 31, 2026 · Last verified August 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 File
Mailing Address	325 W 3RD ST, LAMONI, IA 50140-1305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST HERITAGE BANK FSB
Apr 06, 2018	Deed of Trust, Mortgage MIDWEST HERITAGE BANK
Apr 27, 2005	Deed of Trust, Mortgage · Line of Credit COMMERCIAL FEDERAL BANK
Mar 23, 2026	Intrafamily Transfer, Transfer
Aug 29, 2024	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Aug 23, 2022	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY FIRST CU
Aug 06, 2021	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Oct 03, 2016	Warranty Deed, Transfer
Jul 05, 2006	Warranty Deed, Transfer · ARM INTERVALE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 29, 2024 · Amount on Record
Deed Sale	Aug 29, 2024 · Amount on Record
Prior Sale	Aug 23, 2022 · Amount on Record
Deed Document Number	20241051
Last Transfer Date	Mar 11, 2026
Transfer Doc	0020260408
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR IA
Property Address	325 W 3RD ST, LAMONI, IA 50140-1305
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/0496
Date	Apr 28, 2017
Book Page	2017/0496
Instrument	2017-0496

Lender

Name	MIDWEST HERITAGE BANK FSB
Type	Bank
Address	CHARITON, IA 50049

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2032

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR IA
Property Address	325 W 3RD ST, LAMONI, IA 50140-1305
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000379
Date	Apr 06, 2018
Book Page	0000002018/0000000379
Instrument	2018-0379

Lender

Name	MIDWEST HERITAGE BANK
Type	Bank

Agreement

Amount	Amount Recorded

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR IA
Property Address	325 W 3RD ST, LAMONI, IA 50140-1305
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02005/0749
Date	Apr 27, 2005
Book Page	2005/0749
Instrument	2005-0749

Lender

Name	COMMERCIAL FEDERAL BANK
Type	Bank
Address	OMAHA, NE 68101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 04, 2015

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DECATUR IA
Recording Date	Mar 23, 2026
Property Address	325 W 3RD ST, LAMONI, IA 50140-1305
Document Number	0020260408
Instrument Date	Mar 11, 2026
Instrument	2026-0408
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 W 3RD ST, LAMONI, IA 50140-1305

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR IA
Recording Date	Aug 29, 2024
Property Address	325 W 3RD ST, LAMONI, IA 50140-1305
Document Number	0020241051
Instrument Date	Aug 27, 2024
Instrument	2024-1051
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Joint Tenants with Right of Survivorship
Address	325 W 3RD ST, LAMONI, IA 50140-1305

Mortgage

Document Number	0020241052
Date	Aug 29, 2024
Instrument	2024-1052

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2054

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR IA
Recording Date	Aug 23, 2022
Property Address	325 W 3RD ST, LAMONI, IA 50140-1305
Document Number	0020221359
Instrument Date	Aug 18, 2022
Instrument	2022-1359
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$196.00
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	325 W 3RD ST, LAMONI, IA 50140-1305

Mortgage

Document Number	0020221360
Date	Aug 23, 2022
Instrument	2022-1360

Lender

Name	COMMUNITY FIRST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 01, 2042

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR IA
Recording Date	Aug 06, 2021
Property Address	325 W 3RD ST, LAMONI, IA 50140-1305
Document Number	0020211239
Instrument Date	Jul 30, 2021
Instrument	2021-1239
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$157.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 W 3RD ST, LAMONI, IA 50140-1305

Mortgage

Document Number	0020211240
Date	Aug 06, 2021
Instrument	2021-1240

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 01, 2036

Interest

Rate Type	Fixed Rate

October 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR IA
Recording Date	Oct 03, 2016
Property Address	325 W 3RD ST, LAMONI, IA 50140-1305
Document Number	02016/1180
Book / Page	2016 / 1180
Instrument Date	Sep 19, 2016
Instrument	2016-1180
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Amount	Amount Recorded
Tax	$43.20
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	325 W 3RD ST, LAMONI, IA 50140-1305

July 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR IA
Recording Date	Jul 05, 2006
Property Address	325 W 3RD ST, LAMONI, IA 50140-1305
Document Number	02006/1075
Book / Page	2006 / 1075
Instrument Date	Jun 26, 2006
Instrument	2006-1075
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$119.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 W 3RD ST, LAMONI, IA 50140-1305
Investor	Possibly a Property Investor

Mortgage

Document Number	0020061076
Date	Jul 05, 2006
Instrument	2006-1076

Lender

Name	INTERVALE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2036
Prepayment Penalty	12 Months

Interest

Rate Type	Adjustable Rate
Rate	10.1%
Type Change Date	Jul 01, 2008
Change Frequency	6 Months
Min Rate At Change	10.1%
Max Rate At Change	13.1%
Index	6-Month LIBOR
Margin	8
Max Rate	16.1%

Tax Assessment & Valuation

Source: Decatur County records · Assessment roll updated March 31, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$163,370 (+37.23%) Land $15,140 Building $148,230	$163,370 (+37.23%) Land $15,140 Building $148,230
2024	$2,708.00 (+50.95%)
2023		$119,050 (+59.83%) Land $9,460 Building $109,590	$119,050 (+59.83%) Land $9,460 Building $109,590
2022		$74,484 Land $7,180 Building $67,304
2021	$1,794.00		$74,484 Land $7,180 Building $67,304

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Decatur County (19053C), updated February 16, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190539602003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2008, river or lake flooding, Severe Storms, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Low above 38% of the US · above 70% of Iowa
Wildfire Likelihood	About 1 in 1,370 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 138 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Grand River Mutual Telephone	Fiber	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Lockridge Networks. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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