435 Main St, Lamont, IA 50650 Property Records

Buchanan County property record for 435 Main St, Lamont, IA 50650

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,052 sqft · built 1890
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Tax Bill	$992 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0423104004`

Property Details

APN / Parcel Number

Primary APN	`0423104004`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,052 sqft Living Area
Basement Area	336 sqft
Unfinished Basement	336 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	A-Frame
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	5,663 sqft (0.13 acres)
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	435 MAIN ST
City	LAMONT
State	IA
Zip	50650-7706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG LOTS 5-6 & W1/2L OT 4 BLK 3
Legal Subdivision	QUICKS 4TH ADD
Legal Block	3
Legal Lot Number	5-6
Jurisdiction	BUCHANAN IA
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1040
Census Tract	950100

Owner

Source: Buchanan County records, as of September 9, 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 Record
Mailing Address	PO BOX 12, LAMONT, IA 50650-0012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
Jan 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage DUPAGE COMMUNITY CU
Mar 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DUPACO COMMUNITY CREDIT UNION
Aug 13, 2019	Deed of Trust, Mortgage · Balloon Mortgage DUPACO COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	435 MAIN ST, LAMONT, IA 50650-7706
Transaction Type	Mortgage
Record Updated	Dec 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R03245
Date	Nov 17, 2023
Instrument	2023R03245

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52001

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 16, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	435 MAIN ST, LAMONT, IA 50650-7706
Transaction Type	Mortgage
Record Updated	Mar 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R00058
Date	Jan 5, 2023
Instrument	2023R00058

Lender

Name	DUPAGE COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Feb 1, 2038

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	435 MAIN ST, LAMONT, IA 50650-7706
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R00733
Date	Mar 25, 2019
Instrument	2019R00733

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	435 MAIN ST, LAMONT, IA 50650-7706
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R02560
Date	Aug 13, 2019
Instrument	2019R02560

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Buchanan County assessment roll, as of September 22, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Buchanan County
Municipality	Lamont City
Unified School District	Starmont Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$992.00 (+30.18%) Homeowner's exemption	$76,330 (+23.99%) Land $4,820 Building $71,510	$76,330 (+23.99%) Land $4,820 Building $71,510
2023	$762.00 Homeowner's exemption	$61,560 Land $4,300 Building $57,260	$61,560 Land $4,300 Building $57,260

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 December 29, 2020 · 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	8 (2008–2010)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 5 claims Severe Storms, Tornadoes, And Flooding, May 2008 · 3 claims

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.

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	LAMONT WATER SUPPLY serves 429 people · EPA ID IA1051051
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	13 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	1 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Comelec Internet Services, GigFire, Nextlink.

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