321 Main St, Otho, IA 50569 Property Records

Webster County property record for 321 Main St, Otho, IA 50569

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,440 sqft · built 1890
Lot Size	0.245 acres (10,672 sqft)
Owner	2 Individual Names on Record
Last Sale	$42,000 (Jul 2016)
Tax Bill	$1,344 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1119253001`

Property Details

APN / Parcel Number

Primary APN	`1119253001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	624 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,672 sqft (0.245 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Mixed
Garage Area	1,032 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	198 sqft
Deck Area	240 sqft
Patio Area	240 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	321 MAIN ST
City	OTHO
State	IA
Zip	50569-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FD OTHO INC OTHO BLOCK 5 LOTS 16-17-18
Legal Subdivision	FD OTHO INC OTHO
Legal Block	5
Legal Lot Number	16-18
Jurisdiction	WEBSTER IA
Township / Civil Division	OTHO
Census Block Group	3
Census Block	3061
Census Tract	10400

Owner

Source: Webster County records, as of May 27, 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	321 MAIN ST, OTHO, IA 50569-1237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2016 · Amount on Record
Deed Sale	Jul 29, 2016 · Amount on Record
Deed Document Number	20163435
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	321 MAIN ST, OTHO, IA 50569-1237
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202103263
Date	Jun 21, 2021
Instrument	2021-03263

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 25, 2031

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	321 MAIN ST, OTHO, IA 50569-1237
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202103264
Date	Jun 21, 2021
Instrument	2021-03264

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 20, 2046

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
2025	$1,344.00 Homeowner's exemption	$96,230 (+7.18%) Land $5,630 Building $90,600	$96,230 (+7.18%) Land $5,630 Building $90,600
2024	$1,344.00 (+7.01%)
2023		$89,780 (+14.57%) Land $5,630 Building $84,150	$89,780 (+14.57%) Land $5,630 Building $84,150
2022	$1,256.00 Homeowner's exemption	$78,360 Land $5,630 Building $72,730
2021			$78,360 Land $5,630 Building $72,730

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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