418 Prospect St, Alta, IA 51002 Property Records

Buena Vista County property record for 418 Prospect St, Alta, IA 51002

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,693 sqft · built 1900
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Apr 2023)
Tax Bill	$7,080 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-180-008`

Property Details

APN / Parcel Number

Primary APN	`09-26-180-008`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,693 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	100 ft deep x 120 ft wide
Garage Type	Mixed
Garage Area	1,400 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	259 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	418 PROSPECT ST
City	ALTA
State	IA
Zip	51002-1472
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	04-18 ALTA CORP. & LOT 5
Legal Subdivision	THIRD ADDITION
Legal Lot Number	5
Jurisdiction	BUENA VISTA IA
Township / Civil Division	NOKOMIS
Census Block Group	2
Census Block	2034
Census Tract	960600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	418 PROSPECT ST, ALTA, IA 51002-1472
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2023	Warranty Deed, Transfer · Conventional Mortgage CITIZENS FIRST NATIONAL BANK
Aug 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK
Mar 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2023 · Amount on Record
Deed Sale	Apr 28, 2023 · Amount on Record
Prior Sale	Sep 23, 2008 · Amount on Record
Deed Document Number	2023849
Prior Transfer Date	Sep 16, 2008
Prior Transfer Doc	0000002711
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUENA VISTA IA
Recording Date	Apr 28, 2023
Property Address	418 PROSPECT ST, ALTA, IA 51002-1472
Document Number	0000230849
Instrument Date	Apr 28, 2023
Instrument	230849
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$591.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 PROSPECT ST, ALTA, IA 51002-1472

Mortgage

Document Number	0000230850
Date	Apr 28, 2023
Instrument	230850

Lender

Name	CITIZENS FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	418 PROSPECT ST, ALTA, IA 51002-1472
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000222394
Date	Aug 30, 2022
Instrument	222394

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 30, 2032

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	418 PROSPECT ST, ALTA, IA 51002-1472
Transaction Type	Mortgage
Record Updated	May 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220639
Date	Mar 9, 2022
Instrument	220639

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 30, 2032

Interest

Rate Type	Fixed Rate

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		$383,200 (-21.66%) Land $34,000 Building $349,200	$383,200 (-21.66%) Land $34,000 Building $349,200
2025	$7,080.00 (-6.79%) Homeowner's exemption	$489,140 (-) Land $19,660 Building $469,480	$489,140 (-) Land $19,660 Building $469,480
2024	$7,596.00 (+23.03%)
2023		$489,140 (+33.77%) Land $19,660 Building $469,480	$489,140 (+33.77%) Land $19,660 Building $469,480
2022	$6,174.00 Homeowner's exemption	$365,650 Land $19,660 Building $345,990
2021			$365,650 Land $19,660 Building $345,990

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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