400 E Main St, Ossian, IA 52161 Property Records

Winneshiek County property record for 400 E Main St, Ossian, IA 52161

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,314 sqft · built 1927
Lot Size	0.155 acres (6,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (May 2019)
Tax Bill	$2,356 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`191135200100`

Property Details

APN / Parcel Number

Primary APN	`191135200100`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,314 sqft Living Area
1st Floor Area	720 sqft
Basement Area	810 sqft
Unfinished Basement	810 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,750 sqft (0.155 acres)
Lot Dimensions	150 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	54 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	400 E MAIN ST
City	OSSIAN
State	IA
Zip	52161-8100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 18, W 20' OF L 17 & N 10'VAC ADJ ALLEY BROOK'S 2ND ADDN
Legal Range	08W
Legal Township	96N
Legal Section	11
Legal Subdivision	BROOKS 2ND ADD
Jurisdiction	WINNESHIEK IA
Township / Civil Division	MILITARY
Census Block Group	1
Census Block	1023
Census Tract	950400

Owner

Source: Winneshiek County records, as of October 20, 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	400 E MAIN ST, OSSIAN, IA 52161-8100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 3, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
May 23, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2019 · Amount on Record
Deed Sale	May 23, 2019 · Amount on Record
Deed Document Number	20191235
Deed Book / Page	2019 / 1235
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Recording Date	Jun 26, 2026
Property Address	400 E MAIN ST, OSSIAN, IA 52161-8100
Document Number	0000001498
Book / Page	2026 / 1498
Instrument Date	Jun 22, 2026
Instrument	20261498
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E MAIN ST, OSSIAN, IA 52161-8100

Mortgage

Document Number	0000001498,
Date	Jun 26, 2026
Book Page	2026/1498
Instrument	20261498

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	400 E MAIN ST, OSSIAN, IA 52161-8100
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/5063
Date	Dec 3, 2020
Book Page	2020/5063
Instrument	2020 5063

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 1, 2045

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	May 23, 2019
Property Address	400 E MAIN ST, OSSIAN, IA 52161-8100
Document Number	2019/1235
Book / Page	2019 / 1235
Instrument Date	May 23, 2019
Instrument	1235
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E MAIN ST, OSSIAN, IA 52161-8100

Mortgage

Document Number	02019/1236
Date	May 23, 2019
Book Page	2019/1236
Instrument	1236

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Winneshiek County assessment roll, as of October 21, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Winneshiek County
Municipality	Ossian City
Unified School District	South Winneshiek Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,356.00	$148,150 (-) Land $8,420 Building $139,730	$148,150 (-) Land $8,420 Building $139,730
2025	$2,356.00 (+14.26%) Homeowner's exemption	$148,150 (+16.21%) Land $8,420 Building $139,730	$148,150 (+16.21%) Land $8,420 Building $139,730
2024	$2,062.00 (+6.29%)
2023		$127,480 (+15.3%) Land $8,420 Building $119,060	$127,480 (+15.3%) Land $8,420 Building $119,060
2022	$1,940.00 Homeowner's exemption	$110,560 Land $7,020 Building $103,540
2021			$110,560 Land $7,020 Building $103,540

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 February 21, 2024

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	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	OSSIAN WATER SUPPLY serves 802 people · EPA ID IA9677007
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	5 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Acentek Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

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