285 Main St, Westgate, IA 50681 Property Records

Fayette County property record for 285 Main St, Westgate, IA 50681

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,456 sqft · built 1910
Lot Size	0.338 acres (14,736 sqft)
Owner	2 Individual Names on File
Last Sale	$23,000 (Apr 2007)
Tax Bill	$1,752 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1323127023`

Property Details

APN / Parcel Number

Primary APN	`1323127023`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Metal
Lot Area	14,736 sqft (0.338 acres)
Lot Dimensions	111 ft deep x 111 ft wide
Garage Type	Detached
Garage Area	2,100 sqft
Parking Spaces	8 Parking Spaces
Porch	Porch
Porch Area	207 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	285 MAIN ST
City	WESTGATE
State	IA
Zip	50681-8638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG SE COR NE NW TH N 15 RD W 8 RD S 15 RD E 8 RD TO BEG IN NE NW EX PC ON N
Jurisdiction	FAYETTE IA
Township / Civil Division	FREMONT
Census Block Group	2
Census Block	2072
Census Tract	80300

Owner

285 Main St is owned and occupied by two individuals who bought it in April 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	285 MAIN ST, WESTGATE, IA 50681-8638
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
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHEAST SECURITY BANK
Jul 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2007 · Amount on File
Deed Sale	Apr 12, 2007 · Amount on File
Deed Document Number	20071119
Deed Book / Page	2007 / 1119
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	285 MAIN ST, WESTGATE, IA 50681-8638
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/3705
Date	Oct 12, 2021
Book Page	2021/3705
Instrument	2021-3705

Lender

Name	NORTHEAST SECURITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE IA
Property Address	285 MAIN ST, WESTGATE, IA 50681-8638
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1791
Date	Jul 12, 2017
Book Page	2017/1791
Instrument	2017 1791

Lender

Name	FIRST STATE BANK
Type	Bank
Address	SUMNER, IA 50674

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 285 Main St was $1,752 with a homeowner's exemption.

Source: Fayette County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Fayette County
Municipality	Westgate City
Unified School District	West Central Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,752.00	$120,910 (-) Land $6,780 Building $114,130	$120,910 (-) Land $6,780 Building $114,130
2025	$1,752.00 (-2.67%) Homeowner's exemption	$120,910 Land $6,780 Building $114,130	$120,910 Land $6,780 Building $114,130
2024	$1,800.00
2023		$108,270 (+15.51%) Land $6,780 Building $101,490	$108,270 Land $6,780 Building $101,490
2022	$1,580.00 Homeowner's exemption	$93,730 Land $5,650 Building $88,080
2021			$93,730 Land $5,650 Building $88,080

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

Flood

FEMA maps place 285 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 13, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Jul 2017 · Severe Storms, Tornadoes, Straight-line Winds, 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

Wildfire risk around 285 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WESTGATE WATER SUPPLY serves 192 people · EPA ID IA3379009
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	4 ppb (2023–2025) 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 19 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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