322 E Washington St, Winterset, IA 50273 Property Records

Madison County property record for 322 E Washington St, Winterset, IA 50273

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,930 sqft · built 1890
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,668 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`820000128010000`

Property Details

APN / Parcel Number

Primary APN	`820000128010000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,930 sqft Living Area
1st Floor Area	536 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Exterior Amenities

Porch	Slab
Porch Area	65 sqft
Patio Area	482 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	322 E WASHINGTON ST
City	WINTERSET
State	IA
Zip	50273-1943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, BLOCK 28 ORIG
Legal Subdivision	TOWN WINTERSET
Legal Block	28
Legal Lot Number	1
Jurisdiction	MADISON IA
Township / Civil Division	WINTERSET
Census Block Group	3
Census Block	3051
Census Tract	60200

Owner

Source: Madison County records, as of May 27, 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	322 E WASHINGTON ST, WINTERSET, IA 50273-1943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Deed of Trust, Mortgage · Line of Credit EARLHAM SAVINGS BANK
Jul 18, 2022	Deed of Trust, Mortgage · FHA Mortgage HUD
Sep 7, 2017	Deed of Trust, Mortgage · FHA Mortgage GATEWAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 11, 2012
Transfer Doc	2012/3121
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	322 E WASHINGTON ST, WINTERSET, IA 50273-1943
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1674
Date	Jul 19, 2023
Book Page	2023/1674
Instrument	2023 1674

Lender

Name	EARLHAM SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jul 14, 2063

Interest

Rate Type	Adjustable Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	322 E WASHINGTON ST, WINTERSET, IA 50273-1943
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2129
Date	Jul 18, 2022
Book Page	2022/2129
Instrument	2022 2129

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	322 E WASHINGTON ST, WINTERSET, IA 50273-1943
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/2821
Date	Sep 7, 2017
Book Page	2017/2821
Instrument	2017 2821

Lender

Name	GATEWAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	JENKS, OK 74037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Madison County assessment roll, as of October 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,668.00	$199,900 (+6.73%) Land $23,600 Building $176,300	$199,900 (+6.73%) Land $23,600 Building $176,300
2024	$3,668.00 (+11.02%)
2023		$187,300 Land $12,700 Building $174,600	$187,300 Land $12,700 Building $174,600
2022	$3,304.00

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 June 21, 2017

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	WINTERSET MUNICIPAL WATERWORKS serves 5,428 people · EPA ID IA6171029
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Oct 2018
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 409 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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