Mitchell County property record for 315 Cherry St, Osage, IA 50461
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,664 sqft · built 2010 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $515,000 (Nov 2025) |
| Tax Bill | $5,916 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1026403005 |
| Primary APN | 1026403005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,664 sqft Living Area |
| Basement Area | 1,664 sqft |
| Finished Basement | 1,175 sqft |
| Unfinished Basement | 489 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 142 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 668 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 315 CHERRY ST |
|---|---|
| City | OSAGE |
| State | IA |
| Zip | 50461-2015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 100' W 177' LOT 54 SE 1/4 |
| Legal Range | 17W |
| Legal Township | 98N |
| Legal Section | 26 |
| Legal Lot Number | 54 |
| Jurisdiction | MITCHELL IA |
| Township / Civil Division | OSAGE |
| Census Block Group | 3 |
| Census Block | 3046 |
| Census Tract | 560300 |
Source: Mitchell County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 315 CHERRY ST, OSAGE, IA 50461-2015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 1, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK |
| Sep 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK |
| Feb 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2025 · Amount on Record |
| Deed Sale | Nov 14, 2025 · Amount on Record |
| Prior Sale | Jun 11, 2021 · Amount on Record |
| Deed Document Number | 20251693 |
| Deed Book / Page | 2025 / 1693 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL IA |
| Property Address | 315 CHERRY ST, OSAGE, IA 50461-2015 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 320 PINE ST, OSAGE, IA 50461-1135 |
| Document Number | 02025/1761 |
|---|---|
| Date | Dec 1, 2025 |
| Book Page | 2025/1761 |
| Instrument | 2025 1761 |
| Name | FIRST CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | CHARLES CITY, IA 50616 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL IA |
| Property Address | 315 CHERRY ST, OSAGE, IA 50461-2015 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02021/1850 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 2021/1850 |
| Instrument | 2021 1850 |
| Name | CUSB BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL IA |
| Property Address | 315 CHERRY ST, OSAGE, IA 50461-2015 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/0245 |
|---|---|
| Date | Feb 14, 2017 |
| Book Page | 2017/0245 |
| Instrument | 2017-0245 |
| Name | CUSB BANK |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
Source: Mitchell County assessment roll, as of October 21, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Mitchell County |
| Municipality | Osage City |
| Unified School District | Osage Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,916.00 (+1.23%) Homeowner's exemption | $393,270 (+6.23%) Land $25,500 Building $367,770 | $393,270 (+6.23%) Land $25,500 Building $367,770 |
| 2024 | $5,844.00 (+12.3%) | ||
| 2023 | $370,210 (+28.66%) Land $25,500 Building $344,710 | $370,210 (+28.66%) Land $25,500 Building $344,710 | |
| 2022 | $5,204.00 Homeowner's exemption | $287,750 Land $25,500 Building $262,250 | |
| 2021 | $287,750 Land $25,500 Building $262,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · 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 | 3 (2013–2024) |
| 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.
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 | Direct burnable vegetation |
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 | OSAGE MUNICIPAL WATER SUPPLY serves 3,637 people · EPA ID IA6663001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 11 ppb (2022–2024) 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 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 1,000 / 500 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Osage Municipal Utilities Cable | 500 / 50 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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