315 Main St, Otho, IA 50569 Property Records

Webster County property record for 315 Main St, Otho, IA 50569

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,103 sqft · built 1900
Lot Size	0.245 acres (10,672 sqft)
Owner	2 Individual Names on Record
Last Sale	$89,000 (Sep 2022)
Tax Bill	$1,070 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1119253002`

Property Details

APN / Parcel Number

Primary APN	`1119253002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,103 sqft Living Area
1st Floor Area	624 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,672 sqft (0.245 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	164 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	315 MAIN ST
City	OTHO
State	IA
Zip	50569-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13-05 FD OTHO INC OTHO & LOTS 14 & 15
Legal Subdivision	FD OTHO INC OTHO
Legal Lot Number	14,15
Jurisdiction	WEBSTER IA
Township / Civil Division	OTHO
Census Block Group	3
Census Block	3061
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	2 Individual Names on Record
Mailing Address	315 MAIN ST, OTHO, IA 50569-1237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2022 · Amount on Record
Deed Sale	Sep 2, 2022 · Amount on Record
Prior Sale	Oct 17, 2016 · Amount on Record
Deed Document Number	20224378
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER IA
Recording Date	Sep 2, 2022
Property Address	315 MAIN ST, OTHO, IA 50569-1237
Document Number	0202204378
Instrument Date	Aug 31, 2022
Instrument	2022-04378
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$141.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 MAIN ST, OTHO, IA 50569

Mortgage

Document Number	0202204379
Date	Sep 2, 2022
Instrument	2022-04379

Lender

Name	FRONTIER FINANCIAL
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

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		$67,660 (-) Land $5,630 Building $62,030	$67,660 (-) Land $5,630 Building $62,030
2025	$1,070.00	$67,660 (+6.7%) Land $5,630 Building $62,030	$67,660 (+6.7%) Land $5,630 Building $62,030
2024	$1,070.00 (+6.79%)
2023		$63,410 (+14.4%) Land $5,630 Building $57,780	$63,410 (+14.4%) Land $5,630 Building $57,780
2022	$1,002.00	$55,430 Land $5,630 Building $49,800
2021			$55,430 Land $5,630 Building $49,800

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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