Clarke County property record for 318 E Ayers St, Osceola, IA 50213
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,632 sqft · built 1920 |
| Lot Size | 0.233 acres (10,149 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,420 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00615 |
| Primary APN | 00615 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,632 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,149 sqft (0.233 acres) |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 114 sqft |
| Deck Area | Deck Area |
| Patio Area | 318 sqft |
| Shed | 1 Shed |
| Lean-To | 360 sqft |
| Pole Barn | 360 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 318 E AYERS ST |
|---|---|
| City | OSCEOLA |
| State | IA |
| Zip | 50213-1326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH OSCEOLALOT 3 BLOCK 1 |
| Legal Subdivision | OSC-NORTH |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | CLARKE IA |
| Township / Civil Division | OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 960100 |
318 E Ayers St is owned and occupied by two individuals.
Source: Clarke County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 318 E AYERS ST, OSCEOLA, IA 50213-1326 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLARKE IA |
| Property Address | 318 E AYERS ST, OSCEOLA, IA 50213-1326 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020220981 |
|---|---|
| Date | Jun 9, 2022 |
| Instrument | 2022-0981 |
| Name | CITY STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 318 E Ayers St was $1,420 with a homeowner's exemption, up 6.1% from the year before.
Source: Clarke County assessment roll, as of January 13, 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Clarke County |
| Municipality | Osceola City |
| Unified School District | Clarke Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $93,270 (-) Land $17,570 Building $75,700 | $93,270 (-) Land $17,570 Building $75,700 | |
| 2025 | $1,420.00 (+6.13%) Homeowner's exemption | $93,270 Land $17,570 Building $75,700 | $93,270 Land $17,570 Building $75,700 |
| 2024 | $1,338.00 | ||
| 2023 | $82,160 (+20.1%) Land $14,060 Building $68,100 | $82,160 Land $14,060 Building $68,100 | |
| 2022 | $1,324.00 Homeowner's exemption | $68,410 Land $12,430 Building $55,980 | |
| 2021 | $68,410 Land $12,430 Building $55,980 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 318 E Ayers St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 16, 2018
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 318 E Ayers St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | OSCEOLA WATER WORKS serves 5,503 people · EPA ID IA2038038 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2023 |
| Lead | 6 ppb (2022–2024) action level 15 ppb |
| Water Quality | Treatment failure resolved · Sep 2024 |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
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