425 W 3rd St, Lamoni, IA 50140 Property Records

Decatur County property record for 425 W 3rd St, Lamoni, IA 50140 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,283 sqft · built 1895
Lot Size	0.793 acres (34,572 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Dec 2025)
Tax Bill	$2,566 (2024)
Deeds & Mortgages	Jan 2026 Line of Credit Dec 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1311103004`

Property Details

APN / Parcel Number

Primary APN	`1311103004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,283 sqft Living Area
Basement Area	710 sqft
Unfinished Basement	710 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Exterior Material	Wood
Lot Area	34,572 sqft (0.793 acres)
Garage Type	Detached
Garage Area	810 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	425 W 3RD ST
City	LAMONI
State	IA
Zip	50140-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTRAL ADDN. W 45.5 ' LOT 3 & E 69.53' LO T 4, BLK 9
Legal Subdivision	CENTRAL ADDITION
Legal Block	9
Legal Lot Number	3
Jurisdiction	DECATUR IA
Township / Civil Division	LAMONI
Census Block Group	3
Census Block	3005
Census Tract	960200

Owner

Source: Decatur County records · APN 1311103004

Assessment roll updated March 31, 2026 · Last verified July 2026

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

Owner of Record	Individual Name on File
Mailing Address	425 W 3RD ST, LAMONI, IA 50140-1307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Deed of Trust, Mortgage · Line of Credit BTC BANK
Dec 31, 2025	Deed of Trust, Mortgage · Line of Credit BTC BANK
Aug 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 31, 2025 · Amount on Record
Deed Sale	Dec 31, 2025 · Amount on Record
Prior Sale	Feb 22, 2016 · Amount on Record
Deed Document Number	20251756
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR IA
Property Address	425 W 3RD ST, LAMONI, IA 50140-1307
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 N SILVER ST, LAMONI, IA 50140-1030

Mortgage

Document Number	0020260051
Date	Jan 12, 2026
Instrument	2026-0051

Lender

Name	BTC BANK
Type	Bank
Address	LAMONI, IA 50140

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR IA
Property Address	425 W 3RD ST, LAMONI, IA 50140-1307
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 N SILVER ST, LAMONI, IA 50140-1030

Mortgage

Document Number	0020251757
Date	Dec 31, 2025
Instrument	2025-1757

Lender

Name	BTC BANK
Type	Bank
Address	LAMONI, IA 50140

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DECATUR IA
Property Address	425 W 3RD ST, LAMONI, IA 50140-1307
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020221306
Date	Aug 12, 2022
Instrument	2022-1306

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Decatur County records · Assessment roll updated March 31, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Decatur County
Municipality	Lamoni City
Unified School District	Lamoni Community School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$158,150 (+33.27%) Land $22,630 Building $135,520	$158,150 (+33.27%) Land $22,630 Building $135,520
2024	$2,566.00 (+8.27%)
2023		$118,670 Land $14,150 Building $104,520	$118,670 Land $14,150 Building $104,520
2021	$2,370.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Decatur County (19053C), updated February 16, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190539602003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2008, river or lake flooding, Severe Storms, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 226 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Grand River Mutual Telephone	Fiber	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
Lockridge Networks	Fixed Wireless (unlicensed)	100 / 20

May also be available at this address: Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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