15 Circle St, Otho, IA 50569 Property Records

Webster County property record for 15 Circle St, Otho, IA 50569

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,818 sqft · built 1944
Lot Size	0.313 acres (13,634 sqft)
Owner	Individual Name on Record
Last Sale	$52,000 (Sep 2013)
Tax Bill	$2,366 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1120105002`

Property Details

APN / Parcel Number

Primary APN	`1120105002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,818 sqft Living Area
1st Floor Area	1,050 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,634 sqft (0.313 acres)
Lot Dimensions	145 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	135 sqft
Deck Area	64 sqft
Patio Area	64 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	15 CIRCLE ST
City	OTHO
State	IA
Zip	50569-1212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20-88-28 FD OTHO INC COLE'S BLK 2 LOT 10
Legal Range	28W
Legal Township	88N
Legal Section	20
Legal Subdivision	FD OTHO INC COLE'S
Legal Block	2
Legal Lot Number	10
Jurisdiction	WEBSTER IA
Township / Civil Division	OTHO
Census Block Group	3
Census Block	3031
Census Tract	10400

Owner

Source: Webster County records, as of September 23, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	15 CIRCLE ST, OTHO, IA 50569-1212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage AVAILA BANK
Jun 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage AVAILA BANK
Feb 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AVAILA BANK
Dec 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance AVAILA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2013 · Amount on Record
Deed Sale	Sep 12, 2013 · Amount on Record
Deed Document Number	20135345
Last Transfer Date	May 9, 2023
Transfer Doc	0000001953
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	15 CIRCLE ST, OTHO, IA 50569-1212
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202104139
Date	Aug 3, 2021
Instrument	2021-04139

Lender

Name	AVAILA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 3, 2036

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	15 CIRCLE ST, OTHO, IA 50569-1212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201702527
Date	Jun 12, 2017
Instrument	2017-02527

Lender

Name	AVAILA BANK
Type	Bank
Address	FORT DODGE, IA 50501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Jun 15, 2023

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	15 CIRCLE ST, OTHO, IA 50569-1212
Transaction Type	Mortgage
Record Updated	Mar 25, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000643
Date	Feb 18, 2020
Instrument	2020-00643

Lender

Name	AVAILA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	15 CIRCLE ST, OTHO, IA 50569-1212
Transaction Type	Mortgage
Record Updated	Jan 8, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20201905496
Date	Dec 11, 2019
Instrument	202019-05496

Lender

Name	AVAILA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Webster County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Webster County
Municipality	Otho City
Unified School District	Fort Dodge Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$150,430 (+1.33%) Land $6,270 Building $144,160	$150,430 (+1.33%) Land $6,270 Building $144,160
2025	$2,366.00	$148,450 (+5.9%) Land $6,270 Building $142,180	$148,450 (+5.9%) Land $6,270 Building $142,180
2024	$2,366.00 (+5.63%)
2023		$140,180 (+13.02%) Land $6,270 Building $133,910	$140,180 (+13.02%) Land $6,270 Building $133,910
2022	$2,240.00	$124,030 Land $6,270 Building $117,760
2021			$124,030 Land $6,270 Building $117,760

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 December 4, 2012 · 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	1 in force
Nearby Flood Claims	4 (1993–2019)
Most Recent Claim	Mar 2019 · Severe Storms 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

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

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	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	OTHO WATER SUPPLY serves 431 people · EPA ID IA9464008
Water Source	Groundwater
Last State Inspection	Mar 2025
Also Mapped Here	XENIA RWD (DES MOINES)
Lead	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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lehigh Valley Cooperative Telephone Association Fiber	1,000 / 500

May also be available: WMTel.

Cell Coverage

5G (outdoors only) and 4G LTE

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