Decatur County property record for 424 E Main St, Lamoni, IA 50140
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,850 sqft · built 1969 |
| Lot Size | 0.36 acres (15,686 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $176,000 (May 2026) |
| Tax Bill | $2,084 (2024) |
| Deeds & Mortgages | Sep 2020 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1302453011 |
| Primary APN | 1302453011 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,850 sqft Living Area |
| Basement Area | 1,200 sqft |
| Unfinished Basement | 1,200 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Lot Area | 15,686 sqft (0.36 acres) |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Heating System | Gas |
|---|
| Street Address | 424 E MAIN ST |
|---|---|
| City | LAMONI |
| State | IA |
| Zip | 50140-1215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FERGUSON 2ND ADDN. LOT 4 BLK 5 COM 170' E SW COR N 184.55', E 85', S 184.55' W 85' TO BEG |
| Legal Subdivision | FERGUSONS 2ND ADD |
| Legal Block | 5 |
| Legal Lot Number | 4 |
| Jurisdiction | DECATUR IA |
| Township / Civil Division | LAMONI |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 960200 |
Source: Decatur County records, as of June 10, 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 | 424 E MAIN ST, LAMONI, IA 50140-1215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| May 15, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR |
| Jun 17, 2022 | Warranty Deed, Transfer · FHA Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2026 · Amount on Record |
| Deed Sale | May 15, 2026 · Amount on Record |
| Prior Sale | Jun 17, 2022 · Amount on Record |
| Deed Document Number | 2026685 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DECATUR IA |
| Property Address | 424 E MAIN ST, LAMONI, IA 50140-1215 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0020201097 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | 2020-1097 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DECATUR IA |
| Recording Date | May 15, 2026 |
| Property Address | 424 E MAIN ST, LAMONI, IA 50140-1215 |
| Document Number | 0000000685 |
| Instrument Date | May 15, 2026 |
| Instrument | 2026685 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $28,360.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 424 E MAIN ST, LAMONI, IA 50140-1215 |
| Document Number | 0000000686, |
|---|---|
| Date | May 15, 2026 |
| Instrument | 2026686 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DECATUR IA |
| Recording Date | Jun 17, 2022 |
| Property Address | 424 E MAIN ST, LAMONI, IA 50140-1215 |
| Document Number | 0020221005 |
| Instrument Date | Jun 16, 2022 |
| Instrument | 2022-1005 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $224.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 424 E MAIN ST, LAMONI, IA 50140-1215 |
| Document Number | 0020221006 |
|---|---|
| Date | Jun 17, 2022 |
| Instrument | 2022-1006 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Fixed Rate |
|---|
Source: Decatur County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Decatur County |
| Municipality | Lamoni City |
| Unified School District | Lamoni Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $142,860 (+33.89%) Land $19,210 Building $123,650 | $142,860 (+33.89%) Land $19,210 Building $123,650 | |
| 2024 | $2,084.00 (-20.15%) | ||
| 2023 | $106,700 (-0.86%) Land $12,010 Building $94,690 | $106,700 (-0.86%) Land $12,010 Building $94,690 | |
| 2022 | $107,629 Land $8,474 Building $99,155 | ||
| 2021 | $2,610.00 | $107,629 Land $8,474 Building $99,155 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 16, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 6 (1980–2010) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jun 2010 · Severe Storms, Flooding, And Tornadoes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 62% of Iowa |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAMONI MUNICIPAL UTILITIES serves 2,029 people · EPA ID IA2740050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity not recorded as resolved · Jun 2026 Treatment failure resolved · Mar 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 156 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Grand River Mutual Telephone Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Lockridge Networks Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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