413 Prospect St, Alta, IA 51002 Property Records

Buena Vista County property record for 413 Prospect St, Alta, IA 51002

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,368 sqft · built 1950
Lot Size	0.192 acres (8,400 sqft)
Owner	Individual Name on Record
Last Sale	$205,500 (Dec 2021)
Tax Bill	$3,560 (2024)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2011 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-181-004`

Property Details

APN / Parcel Number

Primary APN	`09-26-181-004`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,368 sqft Living Area
Basement Area	1,368 sqft
Finished Basement	650 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,400 sqft (0.192 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	993 sqft
Parking Spaces	4 Parking Spaces
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	413 PROSPECT ST
City	ALTA
State	IA
Zip	51002-1471
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	07-17 ALTA CORP.
Legal Subdivision	ALTA 3RD ADD
Legal Block	17
Legal Lot Number	7
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 3, 2025

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
Co-owner	Co-owner on Record
Mailing Address	413 PROSPECT ST, ALTA, IA 51002-1471
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2019	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 17, 2011	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK NA
Apr 14, 2010	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK NA
Oct 29, 2015	Deed of Trust, Mortgage · Conventional Mortgage FOUR POINTS FCU
Oct 26, 2011	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK NA
Aug 17, 2007	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK
Nov 16, 2015	Deed of Trust, Mortgage · Line of Credit FOUR POINTS FCU
Dec 17, 2021	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK
May 30, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2021 · Amount on Record
Deed Sale	Dec 17, 2021 · Amount on Record
Prior Sale	May 30, 2018 · Amount on Record
Deed Document Number	213981
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	413 PROSPECT ST, ALTA, IA 51002-1471
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000192687
Date	Oct 25, 2019
Instrument	192687

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	413 PROSPECT ST, ALTA, IA 51002-1471
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000112815
Date	Oct 17, 2011
Instrument	112815

Lender

Name	HERITAGE BANK NA
Type	Bank
Address	SIOUX CITY, IA 51106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2026

April 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	413 PROSPECT ST, ALTA, IA 51002-1471
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100836
Date	Apr 14, 2010
Instrument	100836

Lender

Name	HERITAGE BANK NA
Address	SIOUX CITY, IA 51106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2040

October 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	413 PROSPECT ST, ALTA, IA 51002-1471
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000152672
Date	Oct 29, 2015
Instrument	152672

Lender

Name	FOUR POINTS FCU
Type	Credit Union
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2045

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	413 PROSPECT ST, ALTA, IA 51002-1471
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	ABSTRACTS AND TITLES INC, ABSTRACT & TITLE CC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000112908
Date	Oct 26, 2011
Instrument	112908

Lender

Name	HERITAGE BANK NA
Type	Bank
Address	SIOUX CITY, IA 51106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2026

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	413 PROSPECT ST, ALTA, IA 51002-1471
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072493
Date	Aug 17, 2007
Instrument	072493

Lender

Name	CENTRAL BANK
Type	Bank
Address	STORM LAKE, IA 50588

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	1 Months
Due	Aug 31, 2007

November 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	413 PROSPECT ST, ALTA, IA 51002-1471
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000152856
Date	Nov 16, 2015
Instrument	152856

Lender

Name	FOUR POINTS FCU
Type	Credit Union
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUENA VISTA IA
Recording Date	Dec 17, 2021
Property Address	413 PROSPECT ST, ALTA, IA 51002-1471
Document Number	0000213981
Instrument Date	Dec 16, 2021
Instrument	213981
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328.00
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	413 PROSPECT ST, ALTA, IA 51002-1471
Investor	Possibly a Property Investor

Mortgage

Document Number	0000213982
Date	Dec 17, 2021
Instrument	213982

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUENA VISTA IA
Recording Date	May 30, 2018
Property Address	413 PROSPECT ST, ALTA, IA 51002-1471
Document Number	000000181227
Instrument Date	May 29, 2018
Instrument	000000181227
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	413 PROSPECT ST, ALTA, IA 51002-1471

Mortgage

Document Number	000000181228
Date	May 30, 2018
Instrument	000000181228

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Buena Vista County assessment roll, as of May 1, 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
2025		$234,680 (-) Land $12,240 Building $222,440	$234,680 (-) Land $12,240 Building $222,440
2024	$3,560.00 (+25.35%)
2023		$234,680 (+35.69%) Land $12,240 Building $222,440	$234,680 (+35.69%) Land $12,240 Building $222,440
2022	$2,840.00 Homeowner's exemption	$172,950 Land $12,240 Building $160,710
2021			$172,950 Land $12,240 Building $160,710

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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