Osceola County property record for 282 Main St, Melvin, IA 51350
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,412 sqft · built 1956 |
| Lot Size | 0.701 acres (30,530 sqft) |
| Owner | Individual Name on File |
| Last Sale | $137,500 (Jan 2026) |
| Tax Bill | $1,245 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Nov 2025 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 300050102020 |
| Primary APN | 300050102020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,412 sqft Living Area |
| 1st Floor Area | 1,412 sqft |
| Basement Area | 1,059 sqft |
| Unfinished Basement | 1,059 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,530 sqft (0.701 acres) |
| Lot Dimensions | 142 ft deep x 180 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 144 sqft |
| Patio Area | 210 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 282 MAIN ST |
|---|---|
| City | MELVIN |
| State | IA |
| Zip | 51350-1006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 EXC PARCEL J LOTS 3-4 BLK 1 NORTHWEST ADDITION |
| Legal Subdivision | NORTHWEST |
| Legal Block | 1 |
| Legal Lot Number | 2-4 |
| Jurisdiction | OSCEOLA IA |
| Township / Civil Division | BAKER |
| Census Block Group | 1 |
| Census Block | 1095 |
| Census Tract | 460200 |
282 Main St is owned and occupied by an individual who bought it in January 2026.
Source: Osceola County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 421 8TH ST, SIBLEY, IA 51249-1743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 6, 2026 | Deed of Trust, Mortgage · FHA Mortgage PLAZA HOME MORTGAGE INC |
| Nov 7, 2025 | Deed of Trust, Mortgage · Construction Mortgage BANK |
| Jun 28, 2023 | Deed of Trust, Mortgage · Construction Mortgage IOWA STATE BANK |
| Aug 22, 2017 | Warranty Deed, Transfer · Conventional Mortgage IOWA STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 6, 2026 · Amount on File |
| Deed Sale | Jan 6, 2026 · Amount on File |
| Deed Document Number | 202616 |
| Deed Book / Page | 2026 / 16 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA IA |
| Property Address | 282 MAIN ST, MELVIN, IA 51350-1006 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 421 8TH ST, SIBLEY, IA 51249-1743 |
| Document Number | 0002026/17 |
|---|---|
| Date | Jan 6, 2026 |
| Book Page | 2026/17 |
| Instrument | 20260017 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92121 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA IA |
| Property Address | 282 MAIN ST, MELVIN, IA 51350-1006 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2025 |
| Name | Verified Name |
|---|---|
| Address | 282 MAIN ST, MELVIN, IA 51350-1006 |
| Document Number | 02025/1117 |
|---|---|
| Date | Nov 7, 2025 |
| Book Page | 2025/1117 |
| Instrument | 20251117 |
| Name | BANK |
|---|---|
| Type | Bank |
| Address | ORANGE CITY, IA 51041 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Nov 10, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA IA |
| Property Address | 282 MAIN ST, MELVIN, IA 51350-1006 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002023/659 |
|---|---|
| Date | Jun 28, 2023 |
| Book Page | 2023/659 |
| Instrument | 20230659 |
| Name | IOWA STATE BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 16, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA IA |
| Recording Date | Aug 22, 2017 |
| Property Address | 282 MAIN ST, MELVIN, IA 51350-1006 |
| Document Number | 02017/1048 |
| Book / Page | 2017 / 1048 |
| Instrument Date | Aug 22, 2017 |
| Instrument | 20171048 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 282 MAIN ST, MELVIN, IA 51350-1006 |
| Document Number | 02017/1049 |
|---|---|
| Date | Aug 22, 2017 |
| Book Page | 2017/1049 |
| Instrument | 20171049 |
| Name | IOWA STATE BANK |
|---|---|
| Type | Bank |
| Address | HULL, IA 51239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 282 Main St was $1,245 with a homeowner's exemption, up 0.4% from the year before.
Source: Osceola County assessment roll, as of October 10, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Osceola County |
| Municipality | Melvin City |
| Unified School District | Hartley-Melvin-Sanborn Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,245.00 (+0.4%) Homeowner's exemption | $104,690 Land $8,080 Building $96,610 | $104,690 Land $8,080 Building $96,610 |
| 2024 | $1,240.00 | ||
| 2023 | $98,200 Land $8,080 Building $90,120 | $98,200 Land $8,080 Building $90,120 | |
| 2022 | $1,256.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 282 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
Source: FEMA National Flood Hazard Layer, effective November 4, 2021 · 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 | 2 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
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 risk around 282 Main 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 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MELVIN WATERWORKS serves 202 people · EPA ID IA7234069 |
|---|---|
| Water Source | Purchased groundwater from OSCEOLA RURAL WATER SYSTEM-NORTH |
| Last State Inspection | Jul 2024 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Premier Communications Cable | 1,000 / 100 |
| GigFire Fixed Wireless | 150 / 130 |
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