24 Circle St, Otho, IA 50569 Property Records

Webster County property record for 24 Circle St, Otho, IA 50569

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,064 sqft · built 1950
Lot Size	0.557 acres (24,263 sqft)
Owner	2 Individual Names on Record
Last Sale	$46,500 (Oct 2007)
Tax Bill	$1,618 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2012 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`1120106009`

Property Details

APN / Parcel Number

Primary APN	`1120106009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	544 sqft
Basement Area	544 sqft
Finished Basement	400 sqft
Unfinished Basement	544 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,263 sqft (0.557 acres)
Lot Dimensions	225 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	90 sqft
Deck Area	140 sqft
Patio Area	448 sqft

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	24 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 8 & 20.77 X 97' ADJ TO LOT 8
Legal Range	28W
Legal Township	88N
Legal Section	20
Legal Subdivision	FD OTHO INC COLE'S
Legal Block	2
Legal Lot Number	8
Jurisdiction	WEBSTER IA
Township / Civil Division	OTHO
Census Block Group	3
Census Block	3027
Census Tract	10400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	24 CIRCLE ST, OTHO, IA 50569-1212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage HUD
Mar 26, 2012	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Jun 16, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FORT DODGE FAMILY CU
Oct 31, 2007	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
May 5, 2005	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Apr 2, 2009	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK OF IOWA
May 7, 2010	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK OF IOWA
Aug 7, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2007 · Amount on Record
Deed Sale	Oct 31, 2007 · Amount on Record
Prior Sale	May 5, 2005 · Amount on Record
Deed Document Number	20076562
Last Transfer Date	Nov 21, 2019
Transfer Doc	202003732
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	24 CIRCLE ST, OTHO, IA 50569-1212
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202201942
Date	Apr 20, 2022
Instrument	2022-01942

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2042

Interest

Rate Type	Fixed Rate

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	24 CIRCLE ST, OTHO, IA 50569-1212
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201201645
Date	Mar 26, 2012
Instrument	2012-01645

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2042

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	24 CIRCLE ST, OTHO, IA 50569-1212
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202502454
Date	Jun 16, 2025
Instrument	2025-02454

Lender

Name	FORT DODGE FAMILY CU
Type	Credit Union
Address	FORT DODGE, IA 50501

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2040

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	24 CIRCLE ST, OTHO, IA 50569-1212
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200706563
Date	Oct 31, 2007
Instrument	2007-06563

Lender

Name	WELLS FARGO BANK NA
Address	NEWARK, NJ 07101

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2037

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	24 CIRCLE ST, OTHO, IA 50569-1212
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200502607
Date	May 5, 2005
Instrument	2005-02607

Lender

Name	WELLS FARGO BANK NA
Address	DES MOINES, IA 50306

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2035

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	24 CIRCLE ST, OTHO, IA 50569-1212
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02009/1853
Date	Apr 2, 2009
Book Page	2009/1853
Instrument	2009-01853

Lender

Name	FIRST FEDERAL SAVINGS BANK OF IOWA
Type	Bank
Address	FORT DODGE, IA 50501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	24 CIRCLE ST, OTHO, IA 50569-1212
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/2017
Date	May 7, 2010
Book Page	2010/2017
Instrument	2010-02017

Lender

Name	FIRST FEDERAL SAVINGS BANK OF IOWA
Type	Bank
Address	FORT DODGE, IA 50501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WEBSTER IA
Recording Date	Aug 7, 2020
Property Address	24 CIRCLE ST, OTHO, IA 50569-1212
Document Number	202003732
Instrument Date	Nov 21, 2019
Instrument	2020-03732
Transaction Type	Transfer
Record Updated	May 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 CIRCLE ST, OTHO, IA 50569-1212

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		$100,710 (-) Land $8,150 Building $92,560	$100,710 (-) Land $8,150 Building $92,560
2025	$1,618.00	$100,710 (+5.08%) Land $8,150 Building $92,560	$100,710 (+5.08%) Land $8,150 Building $92,560
2024	$1,618.00 (+5.48%)
2023		$95,840 (+12.83%) Land $8,150 Building $87,690	$95,840 (+12.83%) Land $8,150 Building $87,690
2022	$1,534.00	$84,940 Land $8,150 Building $76,790
2021			$84,940 Land $8,150 Building $76,790

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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