409 Prospect St, Alta, IA 51002 Property Records

Buena Vista County property record for 409 Prospect St, Alta, IA 51002

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,123 sqft · built 1920
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (May 2018)
Tax Bill	$1,220 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-26-181-003`

Property Details

APN / Parcel Number

Primary APN	`09-26-181-003`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,123 sqft Living Area
1st Floor Area	636 sqft
Basement Area	636 sqft
Unfinished Basement	636 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	192 sqft
Patio Area	108 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	409 PROSPECT ST
City	ALTA
State	IA
Zip	51002-1471
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	08-17 ALTA CORP.
Legal Subdivision	THIRD ADDITION
Jurisdiction	BUENA VISTA IA
Township / Civil Division	NOKOMIS
Census Block Group	2
Census Block	2033
Census Tract	960600

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	409 PROSPECT ST, ALTA, IA 51002-1471
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · Line of Credit NORTH STAR COMMUNITY CU
May 31, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Deed Document Number	2018181254
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	409 PROSPECT ST, ALTA, IA 51002-1471
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000222536
Date	Sep 13, 2022
Instrument	222536

Lender

Name	NORTH STAR COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUENA VISTA IA
Recording Date	May 31, 2018
Property Address	409 PROSPECT ST, ALTA, IA 51002-1471
Document Number	000000181254
Instrument Date	Apr 1, 2005
Instrument	000000181254
Transaction Type	Transfer
Record Updated	Oct 15, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 PROSPECT ST, ALTA, IA 51002-1471
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Alta City
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		$116,900 (+25.38%) Land $21,400 Building $95,500	$116,900 (+25.38%) Land $21,400 Building $95,500
2025	$1,220.00 (-7.29%) Homeowner's exemption	$93,240 (-) Land $12,240 Building $81,000	$93,240 (-) Land $12,240 Building $81,000
2024	$1,316.00 (+20.29%)
2023		$93,240 (+29.36%) Land $12,240 Building $81,000	$93,240 (+29.36%) Land $12,240 Building $81,000
2022	$1,094.00 Homeowner's exemption	$72,080 Land $12,240 Building $59,840
2021			$72,080 Land $12,240 Building $59,840

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 October 13, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	ALTA MUNICIPAL WATER PLANT serves 2,087 people · EPA ID IA1108025
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Northwest Communications Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile.

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