520 S Cherry St, Lamoni, IA 50140 Property Records

Decatur County property record for 520 S Cherry St, Lamoni, IA 50140

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,050 sqft · built 1967
Lot Size	0.331 acres (14,441 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Aug 2022)
Tax Bill	$4,138 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1311180007`

Property Details

APN / Parcel Number

Primary APN	`1311180007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,050 sqft Living Area
Basement Area	1,152 sqft
Finished Basement	1,152 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Split Foyer
Lot Area	14,441 sqft (0.331 acres)
Garage Type	Attached
Garage Area	528 sqft

Location & Zoning

Street Address	520 S CHERRY ST
City	LAMONI
State	IA
Zip	50140-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SMITHS ADDN. E 1/2 O F N 1/2 LOT 2, BLK 3
Legal Subdivision	SMITHS ADDITION
Legal Block	3
Legal Lot Number	2
Jurisdiction	DECATUR IA
Township / Civil Division	LAMONI
Census Block Group	3
Census Block	3025
Census Tract	960200

Owner

520 S Cherry St is owned and occupied by an individual who acquired it in September 2023.

Source: Decatur County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	520 S CHERRY ST, LAMONI, IA 50140-1606
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2022 · Amount on File
Deed Sale	Aug 15, 2022 · Amount on File
Prior Sale	Apr 29, 2015 · Amount on File
Deed Document Number	20221308
Last Transfer Date	Sep 1, 2023
Transfer Doc	0000001041
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DECATUR IA
Recording Date	Aug 15, 2022
Property Address	520 S CHERRY ST, LAMONI, IA 50140-1606
Document Number	0020221308
Instrument Date	Aug 12, 2022
Instrument	2022-1308
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 S CHERRY ST, LAMONI, IA 50140-1606

Mortgage

Document Number	0020221309
Date	Aug 15, 2022
Instrument	2022-1309

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 520 S Cherry St was $4,138.

Source: Decatur County assessment roll, as of March 31, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,138.00	$200,600 (-) Land $24,420 Building $176,180	$200,600 (-) Land $24,420 Building $176,180
2025	$4,138.00 (+15.39%)	$200,600 Land $24,420 Building $176,180	$200,600 Land $24,420 Building $176,180
2024	$3,586.00
2023		$151,580 (+159.18%) Land $16,280 Building $135,300	$151,580 Land $16,280 Building $135,300
2022		$58,485 Land $10,160 Building $48,325
2021	$1,356.00		$58,485 Land $10,160 Building $48,325

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 520 S Cherry St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding

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

Wildfire risk around 520 S Cherry St is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 60% of Iowa
Wildfire Likelihood	0.05% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Lockridge Networks.

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