409 W 9th St, Alta, IA 51002 Property Records

Buena Vista County property record for 409 W 9th St, Alta, IA 51002

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,176 sqft · built 1964
Lot Size	0.217 acres (9,450 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Jun 2025)
Tax Bill	$2,252 (2025)
Deeds & Mortgages	Apr 2008 Mortgage Sep 2008 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-308-012`

Property Details

APN / Parcel Number

Primary APN	`09-26-308-012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Basement Area	1,176 sqft
Finished Basement	825 sqft
Unfinished Basement	1,176 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,450 sqft (0.217 acres)
Lot Dimensions	126 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	390 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	126 sqft
Patio Area	360 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 W 9TH ST
City	ALTA
State	IA
Zip	51002-1510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	26-91-38 ALTA CORP. AUD S/D UNPLAT PT NW SW E 75' OF W 150' OF S 126' LOT 5
Legal Subdivision	AUDITORS SUBDIVISION
Legal Lot Number	5
Jurisdiction	BUENA VISTA IA
Township / Civil Division	NOKOMIS
Census Block Group	2
Census Block	2060
Census Tract	960600

Owner

409 W 9th St is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	409 W 9TH ST, ALTA, IA 51002-1510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 14, 2008	Deed of Trust, Mortgage · FHA Mortgage NORTHWEST FEDERAL SAVINGS BANK
Sep 15, 2008	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK
Jun 18, 2025	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK
Aug 15, 2018	Warranty Deed, Transfer UNITED BANK OF IOWA
Jun 7, 2006	Legal Action/Court Order, Foreclosure · ARM RIVER FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2025 · Amount on File
Deed Sale	Jun 18, 2025 · Amount on File
Prior Sale	Aug 15, 2018 · Amount on File
Deed Document Number	20251261
Record Updated	Oct 29, 2026

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	409 W 9TH ST, ALTA, IA 51002-1510
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080967
Date	Apr 14, 2008
Instrument	080967

Lender

Name	NORTHWEST FEDERAL SAVINGS BANK
Type	Non-Lending Institution
Address	SPENCER, IA 51301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2038

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	409 W 9TH ST, ALTA, IA 51002-1510
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082614
Date	Sep 15, 2008
Instrument	082614

Lender

Name	CENTRAL BANK
Type	Bank
Address	STORM LAKE, IA 50588

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Sep 15, 2010

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUENA VISTA IA
Recording Date	Jun 18, 2025
Property Address	409 W 9TH ST, ALTA, IA 51002-1510
Document Number	0000251261
Instrument Date	Jun 5, 2025
Instrument	251261
Transaction Type	Transfer
Record Updated	Dec 4, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.20
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	409 W 9TH ST, ALTA, IA 51002-1510

Mortgage

Document Number	0000251262
Date	Jun 18, 2025
Instrument	251262

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUENA VISTA IA
Recording Date	Aug 15, 2018
Property Address	409 W 9TH ST, ALTA, IA 51002-1510
Document Number	000000182061
Instrument Date	Aug 13, 2018
Instrument	000000182061
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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 W 9TH ST, ALTA, IA 51002-1510

Mortgage

Document Number	000000182062
Date	Aug 15, 2018
Instrument	000000182062

Lender

Name	UNITED BANK OF IOWA
Type	Bank

Agreement

Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2048

June 2006: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BUENA VISTA IA
Recording Date	Jun 7, 2006
Property Address	409 W 9TH ST, ALTA, IA 51002-1510
Document Number	0000061601
Instrument Date	May 11, 2006
Instrument	061601
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	730 LAKE AVE, STORM LAKE, IA 50588-1854

Mortgage

Document Number	0000061602
Date	Jun 7, 2006
Instrument	061602

Lender

Name	RIVER FUNDING CORP
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	10%
Type Change Date	Jul 1, 2008
Change Frequency	6 Months
Min Rate At Change	7%
Max Rate At Change	13%
Index	6-Month LIBOR
Max Rate	16%

Tax Assessment & Valuation

The 2025 property tax bill for 409 W 9th St was $2,252 with a homeowner's exemption, down 15.1% from the year before.

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		$200,400 (+12.85%) Land $26,000 Building $174,400	$200,400 (+12.85%) Land $26,000 Building $174,400
2025	$2,252.00 (-15.15%) Homeowner's exemption	$177,580 Land $14,850 Building $162,730	$177,580 Land $14,850 Building $162,730
2024	$2,654.00
2023		$177,580 (+30.26%) Land $14,850 Building $162,730	$177,580 Land $14,850 Building $162,730
2022	$2,206.00 Homeowner's exemption	$136,330 Land $14,850 Building $121,480
2021			$136,330 Land $14,850 Building $121,480

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

Flood

FEMA maps place 409 W 9th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 409 W 9th 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 99.1% of the US · lower than 91% 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.

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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