609 S Main St, Alta, IA 51002 Property Records

Buena Vista County property record for 609 S Main St, Alta, IA 51002

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,593 sqft · built 1948
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$133,500 (Jan 2021)
Tax Bill	$2,448 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-326-003`

Property Details

APN / Parcel Number

Primary APN	`09-26-326-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,593 sqft Living Area
1st Floor Area	1,002 sqft
Attic	Attic
Attic Area	451 sqft
Basement Area	1,142 sqft
Finished Basement	550 sqft
Unfinished Basement	1,142 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	609 S MAIN ST
City	ALTA
State	IA
Zip	51002-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	06-03 ALTA CORP. LAKEVIEW ADD.
Legal Subdivision	LAKEVIEW ADD
Jurisdiction	BUENA VISTA IA
Township / Civil Division	NOKOMIS
Census Block Group	2
Census Block	2051
Census Tract	960600

Owner

609 S Main St is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	609 S MAIN ST, ALTA, IA 51002-1516
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

Date	Document
Jul 23, 2019	Deed of Trust, Mortgage · ARM CENTRAL BANK
Jan 28, 2021	Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK
Jul 23, 2019	Warranty Deed, Transfer · ARM CENTRAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2021 · Amount on File
Deed Sale	Jan 28, 2021 · Amount on File
Deed Document Number	2021284
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUENA VISTA IA
Property Address	609 S MAIN ST, ALTA, IA 51002-1516
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000191771
Date	Jul 23, 2019
Instrument	191771

Lender

Name	CENTRAL BANK

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Type Change Date	Aug 1, 2024
Index	1-Year CMT
Margin	3

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUENA VISTA IA
Recording Date	Jan 28, 2021
Property Address	609 S MAIN ST, ALTA, IA 51002-1516
Document Number	0000210284
Instrument Date	Jan 26, 2021
Instrument	210284
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	$212.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 S MAIN ST, ALTA, IA 51002-1516

Mortgage

Document Number	0000210285
Date	Jan 28, 2021
Instrument	210285

Lender

Name	HERITAGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUENA VISTA IA
Recording Date	Jul 23, 2019
Property Address	609 S MAIN ST, ALTA, IA 51002-1516
Document Number	191770
Instrument Date	Jul 19, 2019
Instrument	191770
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 S MAIN ST, ALTA, IA 51002

Mortgage

Document Number	191771
Date	Jul 23, 2019
Instrument	191771

Lender

Name	CENTRAL BANK

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Type Change Date	Aug 1, 2024
Index	1-Year CMT
Margin	3

Tax Assessment & Valuation

The 2025 property tax bill for 609 S Main St was $2,448 with a homeowner's exemption, down 7.1% from the year before.

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		$190,300 (+7.94%) Land $23,900 Building $166,400	$190,300 (+7.94%) Land $23,900 Building $166,400
2025	$2,448.00 (-7.06%) Homeowner's exemption	$176,300 Land $13,650 Building $162,650	$176,300 Land $13,650 Building $162,650
2024	$2,634.00
2023		$176,300 (+29.06%) Land $13,650 Building $162,650	$176,300 Land $13,650 Building $162,650
2022	$2,210.00 Homeowner's exemption	$136,600 Land $13,650 Building $122,950
2021			$136,600 Land $13,650 Building $122,950

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

Flood

FEMA maps place 609 S Main St in Zone X, an area of minimal flood risk.

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

The area around 609 S Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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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