302 1/2 Railroad St, Otho, IA 50569 Property Records

Webster County property record for 302 1/2 Railroad St, Otho, IA 50569

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 540 sqft · built 1900
Lot Size	0.167 acres (7,275 sqft)
Owner	Individual Name on Record
Last Sale	$25,000 (Aug 2026)
Tax Bill	$366 (2025)
Deeds & Mortgages	Aug 2026 Sale Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1119251027`

Property Details

APN / Parcel Number

Primary APN	`1119251027`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	540 sqft Living Area
1st Floor Area	540 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	7,275 sqft (0.167 acres)
Lot Dimensions	152 ft deep x 61 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	302 1/2 RAILROAD ST
City	OTHO
State	IA
Zip	50569-7701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FD OTHO INC SOUTH RAILROAD LOT 14 IRR TR
Legal Subdivision	COUNTY AUDITORS TAXATION PLAT
Legal Lot Number	14
Jurisdiction	WEBSTER IA
Township / Civil Division	OTHO
Census Block Group	3
Census Block	3015
Census Tract	10400

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	2262 240TH ST, FORT DODGE, IA 50501-8440
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit AVAILA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2026 · Amount on Record
Deed Sale	Aug 10, 2026 · Amount on Record
Prior Sale	Oct 17, 2022 · Amount on Record
Deed Document Number	20263665
Prior Transfer Date	Aug 7, 2026
Prior Transfer Doc	0000003665
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER IA
Recording Date	Aug 10, 2026
Property Address	302 1/2 RAILROAD ST, OTHO, IA 50569-7701
Document Number	0000003665
Instrument Date	Aug 7, 2026
Instrument	20263665
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$3,959.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2262 240TH ST, FORT DODGE, IA 50501-8440

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	302 1/2 RAILROAD ST, OTHO, IA 50569-7701
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202205185
Date	Oct 18, 2022
Instrument	2022-05185

Lender

Name	AVAILA BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 10, 2032

Interest

Rate Type	Fixed Rate

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		$23,020 (-) Land $3,340 Building $19,680	$23,020 (-) Land $3,340 Building $19,680
2025	$366.00	$23,020 (+6.33%) Land $3,340 Building $19,680	$23,020 (+6.33%) Land $3,340 Building $19,680
2024	$366.00 (+5.78%)
2023		$21,650 (+13.23%) Land $3,340 Building $18,310	$21,650 (+13.23%) Land $3,340 Building $18,310
2022	$346.00	$19,120 Land $3,340 Building $15,780
2021			$19,120 Land $3,340 Building $15,780

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 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 74 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: GigFire, WMTel.

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