640 Albert St, Lamont, IA 50650 Property Records

Buchanan County property record for 640 Albert St, Lamont, IA 50650

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,624 sqft · built 1890
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$30,500 (Nov 2010)
Tax Bill	$622 (2025)
Deeds & Mortgages	Jan 2019 Refinance Dec 2013 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0423129027`

Property Details

APN / Parcel Number

Primary APN	`0423129027`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,624 sqft Living Area
Basement Area	808 sqft
Unfinished Basement	808 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	4,792 sqft (0.11 acres)
Garage Area	440 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	640 ALBERT ST
City	LAMONT
State	IA
Zip	50650-9546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG BLK 8 LOTS 5-6-7 -8& COM NW COR LOT 8S ERLY NE COR LT 5 ELY2 2' N NW CR LT 4, NW E TC
Legal Block	8
Legal Lot Number	5-8
Jurisdiction	BUCHANAN IA
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1032
Census Tract	950100

Owner

640 Albert St is owned and occupied by an individual who bought it in November 2010.

Source: Buchanan County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	640 ALBERT ST, LAMONT, IA 50650-9546
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
Jan 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK IOWA
Dec 3, 2013	Deed of Trust, Mortgage · Conventional Mortgage BANKIOWA
Nov 18, 2010	Legal Action/Court Order, Foreclosure · Line of Credit SECURITY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2010 · Amount on File
Deed Sale	Nov 18, 2010 · Amount on File
Deed Document Number	20103608
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	640 ALBERT ST, LAMONT, IA 50650-9546
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R00178
Date	Jan 15, 2019
Instrument	2019R00178

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

December 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN IA
Property Address	640 ALBERT ST, LAMONT, IA 50650-9546
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013R03771
Date	Dec 3, 2013
Instrument	2013R03771

Lender

Name	BANKIOWA
Type	Bank
Address	LAMONT, IA 50650

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2010: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BUCHANAN IA
Recording Date	Nov 18, 2010
Property Address	640 ALBERT ST, LAMONT, IA 50650-9546
Document Number	2010R03608
Instrument Date	Nov 11, 2010
Instrument	2010R03608
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 224, LAMONT, IA 50650-0224

Mortgage

Document Number	2010R03609
Date	Nov 18, 2010
Instrument	2010R03609

Lender

Name	SECURITY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 640 Albert St was $622 with a homeowner's exemption.

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	$622.00 Homeowner's exemption	$51,890 Land $4,820 Building $47,070	$51,890 Land $4,820 Building $47,070
2023	$444.00 Homeowner's exemption	$41,580 Land $4,300 Building $37,280	$41,580 Land $4,300 Building $37,280

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

Flood

FEMA maps place 640 Albert 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 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

Wildfire risk around 640 Albert St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	25 / 3

May also be available: Nextlink.

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