1538 Centennial Rd, Ossian, IA 52161 Property Records

Winneshiek County property record for 1538 Centennial Rd, Ossian, IA 52161

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,958 sqft · built 2004
Lot Size	4.5 acres (196,020 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,992 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`200540000500`

Property Details

APN / Parcel Number

Primary APN	`200540000500`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,958 sqft Living Area
Basement Area	1,958 sqft
Finished Basement	1,350 sqft
Unfinished Basement	608 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	196,020 sqft (4.5 acres)
Garage Type	Mixed
Garage Area	2,436 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	234 sqft
Patio Area	532 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1538 CENTENNIAL RD
City	OSSIAN
State	IA
Zip	52161-8006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 L 4 NW SE
Legal Range	07W
Legal Township	96N
Legal Section	05
Jurisdiction	WINNESHIEK IA
Township / Civil Division	BLOOMFIELD
Census Block Group	3
Census Block	3053
Census Tract	950400

Owner

1538 Centennial Rd is owned and occupied by two individuals.

Source: Winneshiek County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1538 CENTENNIAL RD, OSSIAN, IA 52161-8006
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
Feb 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage KERNDT BROTHERS SAVINGS BANK
Feb 15, 2017	Deed of Trust, Mortgage · Line of Credit KERNDT BROTHERS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1538 CENTENNIAL RD, OSSIAN, IA 52161-8006
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/557
Date	Feb 23, 2022
Book Page	2022/557
Instrument	2022 0557

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 15, 2032

Interest

Rate Type	Fixed Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	1538 CENTENNIAL RD, OSSIAN, IA 52161-8006
Transaction Type	Mortgage
Record Updated	Apr 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017 0462
Date	Feb 15, 2017
Book Page	2017/0462
Instrument	2017 0462

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank
Address	DECORAH, IA 52101

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 1538 Centennial Rd was $5,992 with a homeowner's exemption.

Source: Winneshiek County assessment roll, as of October 21, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Winneshiek County
Unified School District	South Winneshiek Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,992.00	$502,680 (-4.01%) Land $48,000 Building $454,680	$523,680 (-) Land $69,000 Building $454,680
2025	$5,992.00 (+14.97%) Homeowner's exemption	$523,680 Land $69,000 Building $454,680	$523,680 Land $69,000 Building $454,680
2024	$5,212.00
2023		$442,060 (+15.22%) Land $48,000 Building $394,060	$463,060
2022	$5,062.00 Homeowner's exemption	$383,650 Land $40,000 Building $343,650
2021			$401,150

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

Flood

FEMA maps place 1538 Centennial Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

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

Wildfire risk around 1538 Centennial Rd is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Acentek Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

Cell Coverage

5G and 4G LTE (outdoors only)

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