314 E Main St, Ottumwa, IA 52501 Property Records

Wapello County property record for 314 E Main St, Ottumwa, IA 52501

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4,812 sqft · built 1880
Lot Size	0.075 acres (3,278 sqft)
Owner	Company Name on File
Last Sale	$30,000 (Feb 2022)
Tax Bill	$1,104 (2026)
Deeds & Mortgages	May 2018 Line of Credit Jun 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007411240290000`

Property Details

APN / Parcel Number

Primary APN	`007411240290000`

Interior

Stories	3 Stories
Building Area	4,812 sqft Gross Area
1st Floor Area	1,320 sqft
Basement Area	1,320 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Brick
Construction Type	Log
Roof Material	Urethane Foam
Lot Area	3,278 sqft (0.075 acres)
Lot Dimensions	149 ft deep x 22 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	314 E MAIN ST
City	OTTUMWA
State	IA
Zip	52501-3041
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	OTTUMWA ORIGINAL NW 22'LOT 339 BLK 30 (314 E. MAIN) (314 E MAIN SUITE 10 1 - 1ST FLR) (328 E MAIN APT 201 - 2ND FLR)
Legal Subdivision	OTTUMWA ORIG
Legal Block	30,314
Legal Lot Number	339
Jurisdiction	WAPELLO IA
Township / Civil Division	CENTER
Census Block Group	1
Census Block	1035
Census Tract	960500

Owner

314 E Main St, a commercial property, is owned by a company that bought it in February 2022.

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

Owner of Record	Company Name on File
Mailing Address	334 E 5TH ST, OTTUMWA, IA 52501-2715
Owner Type	Company
Vesting	Company

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
May 14, 2018	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK
Jun 25, 2018	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK
Feb 22, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2022 · Amount on File
Deed Sale	Feb 22, 2022 · Amount on File
Prior Sale	Mar 22, 2007 · Amount on File
Deed Document Number	2022788
Deed Book / Page	2022 / 788
Transfer Doc	02022/0788
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAPELLO IA
Property Address	314 E MAIN ST, OTTUMWA, IA 52501-3041
Transaction Type	Mortgage
Record Updated	Nov 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001918
Date	May 14, 2018
Book Page	0000002018/0000001918
Instrument	000000001918

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAPELLO IA
Property Address	314 E MAIN ST, OTTUMWA, IA 52501-3041
Transaction Type	Mortgage
Record Updated	Nov 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002598
Date	Jun 25, 2018
Book Page	0000002018/0000002598
Instrument	000000002598

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2048

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAPELLO IA
Recording Date	Feb 22, 2022
Property Address	314 E MAIN ST, OTTUMWA, IA 52501-3041
Document Number	02022/0788
Book / Page	2022 / 0788
Instrument Date	Feb 21, 2022
Instrument	2022 0788
Transaction Type	Transfer
Record Updated	Nov 18, 2022

Transaction

Amount	Amount on Record
Tax	$47.20
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 E MAIN ST, OTTUMWA, IA 52501-3041

Tax Assessment & Valuation

The 2026 property tax bill for 314 E Main St was $1,104, up 9.5% from the year before.

Source: Wapello County assessment roll, as of October 9, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Wapello County
Municipality	Ottumwa City
Unified School District	Ottumwa Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,104.00 (+9.52%)	$51,820 (-) Land $8,200 Building $43,620	$51,820 (-) Land $8,200 Building $43,620
2025	$1,008.00	$51,820 Land $8,200 Building $43,620	$51,820 Land $8,200 Building $43,620
2024	$1,008.00
2023		$43,600 (+20.14%) Land $8,200 Building $35,400	$43,600 Land $8,200 Building $35,400
2022	$926.00	$36,290 Land $8,200 Building $28,090
2021			$36,290 Land $8,200 Building $28,090

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

Flood

FEMA maps place 314 E Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective January 28, 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	1 in force
Nearby Flood Claims	2 (1998–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2010 · Severe Storms, Flooding, 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

Wildfire risk around 314 E 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 99.8% of the US · lower than 98.1% 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	OTTUMWA WATER WORKS serves 25,529 people · EPA ID IA9083012
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	Under 1 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	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MCG Fiber	2,000 / 2,000
Mediacom Xtream Cable	2,000 / 1,000

May also be available: LISCOFIBER, Verizon.

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