612 Locust St, Atlantic, IA 50022 Property Records

Cass County property record for 612 Locust St, Atlantic, IA 50022

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,544 sqft · built 1907
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Tax Bill	$792 (2024)
Deeds & Mortgages	Sep 2025 Mortgage May 2025 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`303005681001000`

Property Details

APN / Parcel Number

Primary APN	`303005681001000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,544 sqft Living Area
1st Floor Area	908 sqft
Attic Area	318 sqft
Basement Area	908 sqft
Game Room	Game Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1907
Exterior Material	Wood Siding
Construction Type	Wood Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	83 sqft
Deck Area	17 sqft
Patio Area	17 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	612 LOCUST ST
City	ATLANTIC
State	IA
Zip	50022-1444
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15-16 BLK 48
Legal Subdivision	ORIGINAL TOWN - ATLANTIC
Legal Block	48
Legal Lot Number	15,16
Jurisdiction	CASS IA
Township / Civil Division	GROVE
Census Block Group	2
Census Block	2152
Census Tract	190500

Owner

Source: Cass County records, as of February 6, 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	505 BIRCH ST, ATLANTIC, IA 50022-1225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 30, 2025	Legal Action/Court Order, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 30, 2025
Transfer Doc	002025/921
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS IA
Property Address	612 LOCUST ST, ATLANTIC, IA 50022-1444
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 LOCUST ST, ATLANTIC, IA 50022-1444

Mortgage

Document Number	02025/1614
Date	Sep 17, 2025
Book Page	2025/1614

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

May 2025: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CASS IA
Recording Date	May 30, 2025
Property Address	612 LOCUST ST, ATLANTIC, IA 50022-1444
Document Number	002025/921
Book / Page	2025 / 921
Instrument Date	May 28, 2025
Transaction Type	Foreclosure
Record Updated	Feb 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 BIRCH ST, ATLANTIC, IA 50022-1225

Tax Assessment & Valuation

Source: Cass County assessment roll, as of May 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$67,660 (+24.6%) Land $5,350 Building $62,310	$67,660 (+24.6%) Land $5,350 Building $62,310
2024	$792.00 (-7.48%)
2023		$54,300 Land $5,350 Building $48,950	$54,300 Land $5,350 Building $48,950
2022	$856.00

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 May 16, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	6 (1993–2015)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jun 2015 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes And Flooding, Jun 1998 · 4 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	ATLANTIC MUNICIPAL UTILITIES serves 7,252 people · EPA ID IA1509074
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) 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 505 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

May also be available: Verizon, Western Iowa Wireless.

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