Iowa Forms

Buena Vista County Real Estate Contract-Installments Form

Buena Vista County Real Estate Contract-Installments Form

Buena Vista County Real Estate Contract-Installments Form

Fill in the blank Real Estate Contract-Installments form formatted to comply with all Iowa recording and content requirements.

Document Last Validated 4/4/2025
Buena Vista County Real Estate Contract-Installments Guide

Buena Vista County Real Estate Contract-Installments Guide

Line by line guide explaining every blank on the Real Estate Contract-Installments form.

Document Last Validated 2/14/2025
Buena Vista County Completed Example of the Real Estate Contract-Installments Document

Buena Vista County Completed Example of the Real Estate Contract-Installments Document

Example of a properly completed Iowa Real Estate Contract-Installments document for reference.

Document Last Validated 5/16/2025
Buena Vista County Contract Disclosure Form

Buena Vista County Contract Disclosure Form

Required by seller for certain residential property.

Document Last Validated 7/4/2025
Buena Vista County Lead Based Paint Disclosure Form

Buena Vista County Lead Based Paint Disclosure Form

Required for residential property built before 1978.

Document Last Validated 1/15/2025
Buena Vista County Protect your family from lead based paint

Buena Vista County Protect your family from lead based paint

Issue to buyers if lead based paint disclosure is required.

Document Last Validated 8/15/2025
Buena Vista County Annual Accounting Statement Form

Buena Vista County Annual Accounting Statement Form

Issue to buyers at end of year for fiscal year reporting, interest paid, etc.

Document Last Validated 8/5/2025

All 7 documents above included • One-time purchase • No recurring fees

Immediate Download • Secure Checkout

Important: Your property must be located in Buena Vista County to use these forms. Documents should be recorded at the office below.

Where to Record Your Documents

Buena Vista County Recorder
Address:
215 E Fifth St / PO Box 454
Storm Lake, Iowa 50588

Hours: 8:00am to 4:30pm M-F

Phone: (712) 213-7430

Recording Tips for Buena Vista County:
  • Bring your driver's license or state-issued photo ID
  • Bring extra funds - fees can vary by document type and page count
  • Recorded documents become public record - avoid including SSNs
  • Recording fees may differ from what's posted online - verify current rates

Cities and Jurisdictions in Buena Vista County

Properties in any of these areas use Buena Vista County forms:

  • Albert City
  • Alta
  • Linn Grove
  • Marathon
  • Newell
  • Rembrandt
  • Sioux Rapids
  • Storm Lake
  • Truesdale

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Buena Vista County

How do I get my forms?

Forms are available for immediate download after payment. The Buena Vista County forms will be in your account ready to download to your computer. An account is created for you during checkout if you don't have one. Forms are NOT emailed.

Are these forms guaranteed to be recordable in Buena Vista County?

Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Buena Vista County including margin requirements, content requirements, font and font size requirements.

Can I reuse these forms?

Yes. You can reuse the forms for your personal use. For example, if you have multiple properties in Buena Vista County you only need to order once.

What do I need to use these forms?

The forms are PDFs that you fill out on your computer. You'll need Adobe Reader (free software that most computers already have). You do NOT enter your property information online - you download the blank forms and complete them privately on your own computer.

Are there any recurring fees?

No. This is a one-time purchase. Nothing to cancel, no memberships, no recurring fees.

How much does it cost to record in Buena Vista County?

Recording fees in Buena Vista County vary. Contact the recorder's office at (712) 213-7430 for current fees.

Questions answered? Let's get started!

In Iowa, a "Real Estate Contract–Installments" (commonly referred to as a contract for deed or installment land contract) is an agreement in which the seller finances the purchase of real estate for the buyer. The buyer makes payments over time, but the seller retains legal title to the property until the contract is fully paid.
When Applicable:
A real estate contract for installments is commonly used in the following situations:
1. Buyer Cannot Obtain Traditional Financing:
Buyers who are unable to secure a traditional mortgage due to poor credit, lack of credit history, or other financial barriers may use a real estate contract.
The seller essentially acts as the lender, providing an alternative to bank financing.
2. Seller-Owned Properties:
The property is owned outright by the seller, and the seller agrees to sell the property under a financing arrangement.
3. Vacant Land or Unique Properties:
Installment contracts are often used for rural or vacant land, or for properties that might not qualify for traditional financing.
4. Investor Arrangements:
Real estate investors sometimes use installment contracts to purchase properties while deferring full payment.
5. Tax Advantages for Sellers:
A seller may prefer an installment sale for tax purposes because the capital gains tax is spread out over the term of the payments.
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Key Features of an Iowa Real Estate Contract–Installments:
1. Retention of Legal Title:
The seller retains legal title to the property until the buyer fulfills the terms of the contract (usually full payment of the purchase price).
2. Possession Rights:
The buyer typically takes possession of the property and assumes responsibility for taxes, insurance, and maintenance.
3. Payment Structure:
Payments are made in regular installments over a specified period, often including principal and interest.
4. Default and Termination:
If the buyer defaults, Iowa law provides specific protections and procedures for termination, including potential forfeiture of payments and the return of property to the seller.
________________________________________
Legal Requirements in Iowa:
Iowa Code § 558.46 outlines specific requirements for installment real estate contracts, including:
1. Written Agreement:
The contract must be in writing and signed by both parties.
2. Recording Requirements:
The seller must record the contract with the county recorder where the property is located within 180 days of execution. Failure to do so can lead to penalties and make the contract unenforceable.
3. Disclosure Statement:
Iowa Code § 558.70 requires sellers to provide a disclosure statement detailing the terms of the contract (e.g., purchase price, interest rate, payment schedule, and property description).
4. Forfeiture or Foreclosure:
If a buyer defaults, the seller may pursue forfeiture under Iowa Code Chapter 656 or foreclosure through court proceedings. Forfeiture is faster but generally results in the buyer losing all payments made.
________________________________________
Advantages and Disadvantages:
Advantages for Buyers:
Easier access to property ownership without traditional financing.
Flexible terms negotiated directly with the seller.
Immediate possession and use of the property.
Disadvantages for Buyers:
Higher risk of forfeiture if unable to meet payment terms.
No legal title until the contract is fulfilled.
Potentially higher costs than traditional financing.
Advantages for Sellers:
Ability to sell property without requiring the buyer to obtain financing.
Opportunity to earn interest on the sale price.
Retention of legal title as security for the agreement.
Disadvantages for Sellers:
Risk of buyer default.
Responsibility for legal action in case of default or disputes.
________________________________________
Situations Requiring Legal Advice:
1. Complex Terms: Buyers or sellers negotiating complex installment contracts should seek legal advice to ensure fair terms and compliance with Iowa law.
2. Default: Understanding rights and remedies in the event of a default is crucial for both parties.
3. Disclosures and Recording: Ensuring compliance with Iowa Code §§ 558.46 and 558.70 is essential to avoid penalties and legal issues.
For a valid and enforceable agreement, both parties should consult a real estate attorney to draft or review the contract.

In Iowa, real estate installment contracts—commonly known as contracts for deed—are governed by specific statutes designed to protect both buyers and sellers. Key provisions include:
Mandatory Recording of Contracts:
• Iowa Code § 558.46: Sellers must record residential real estate installment sales contracts with the county recorder where the property is located within 90 days of execution. Failure to record prohibits the seller from initiating forfeiture proceedings based on contract non-compliance.
• Iowa Code § 558.46 (4). If a real estate contract is required to be recorded under this section, the requirement is satisfied by recording either the entire real estate contract or a memorandum of the contract containing at least the names and addresses of all parties named in the contract, a description of all real property and interests in the real property subject to the contract, the length of the contract, and a statement as to whether the seller is entitled to the remedy of forfeiture and as to the dates upon which payments are due.
Contract Disclosure Requirements:
• Iowa Code § 558.70: Before executing a residential real estate installment sales contract, sellers must provide buyers with a written disclosure statement. This statement should include details such as the property's assessed value, any due property taxes or special assessments, existing mortgages or liens, a complete amortization schedule, interest rates, and any balloon payments. The disclosure ensures transparency and informs buyers of their rights and obligations.
Forfeiture Procedures:
• Iowa Code Chapter 656: This chapter outlines the procedures for forfeiture of real estate contracts in cases of buyer default. It specifies the notice requirements and timelines that sellers must follow to terminate the contract legally.
Real Estate Disclosures:
• Iowa Code Chapter 558A: This chapter mandates that sellers provide a disclosure statement to buyers, detailing the condition and characteristics of the property. The disclosure must be provided at least seven days before the execution of a real estate installment sales contract.
These statutes aim to ensure transparency, protect the interests of both parties, and maintain fair practices in real estate transactions involving installment contracts in Iowa.

Important: Your property must be located in Buena Vista County to use these forms. Documents should be recorded at the office below.

This Real Estate Contract-Installments meets all recording requirements specific to Buena Vista County.

Our Promise

The documents you receive here will meet, or exceed, the Buena Vista County recording requirements for formatting. If there's an issue caused by our formatting, we'll make it right and refund your payment.

Save Time and Money

Get your Buena Vista County Real Estate Contract-Installments form done right the first time with Deeds.com Uniform Conveyancing Blanks. At Deeds.com, we understand that your time and money are valuable resources, and we don't want you to face a penalty fee or rejection imposed by a county recorder for submitting nonstandard documents. We constantly review and update our forms to meet rapidly changing state and county recording requirements for roughly 3,500 counties and local jurisdictions.

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Rip V.

October 5th, 2022

Found the forms I needed but had to type these out my self in Word since these forms do not allow any information to be saved. I understand you want this to be proprietary information but you failed to deliver a usable product. I printed this template and built my own in microsoft word. Good examples and instructions with poor execution. I lost hours of typing and nearly lost real estate deals due to these documents not being in a format ready to use. Will be using another service next time or buying these as guides alone.

Reply from Staff

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July 3rd, 2020

Fantastic!

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September 9th, 2020

I liked getting the forms but I was charged twice for some reason. I'm not sure what happened with that. Can you reimburse me? Thank you. Lanette

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August 12th, 2020

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July 18th, 2020

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August 2nd, 2019

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May 26th, 2020

I am a Loan Officer and this website saves me a bunch of time. Love it!

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L B W.

January 22nd, 2021

Bottom line - it was certainly worth the $21 (+-?) I paid for the form and instructions, etc. Admittedly the form is a little inflexible in terms of editing for readability but I understand that offering greater flexibility would likely make theft more likely. So I'm happy with what I got. One suggestion - add more info about what's required in the "Source of Title" section.

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Jackson J.

June 4th, 2019

Thank you for your help the website is simple and easy to use and dealing with this county for the 1st time there were a few things i was not too sure about but your staff was prompt and responsive and anytime there was a glitch we were promptly able to resolve the issue until the deed was accepted and recorded by the county great service thanks again.

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October 5th, 2022

Fantastic documents! Easy to complete, looked great after I filled them in and printed them. No problems with the notary or recorder (recorder clerk actually said they see deeds.com documents all the time and they love em cause it makes their job easier). Highly recommend!!

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April 8th, 2020

Very responsive and thorough. Glad to have found such a great company for our recording needs.

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February 22nd, 2024

This service wasn't helpful at all.

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We're sorry the records you were looking for were not available Michael. We understand how frustrating that can be. Thank you for taking the time to share your thoughts. We're continually working to expand our database and hope to better serve your needs in the future.

Kathleen M.

December 29th, 2023

I am very happy with this service

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Jim J.

February 8th, 2019

The forms were easy to use and the fields are tabbed so that you can enter your information and then move quickly to the next entry. The Guide for the documents was very helpful.

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Elango R.

November 9th, 2020

It was so easy to use the site and got recording done in a day. Very happy with experience.

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