401 E Jefferson St, Winterset, IA 50273 Property Records

Madison County property record for 401 E Jefferson St, Winterset, IA 50273

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,016 sqft · built 1900
Lot Size	0.212 acres (9,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,500 (May 2025)
Tax Bill	$4,430 (2025)
Deeds & Mortgages	May 2025 Sale & Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`820002202050000`

Property Details

APN / Parcel Number

Primary APN	`820002202050000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
1st Floor Area	871 sqft
Basement Area	1,406 sqft
Unfinished Basement	1,406 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,240 sqft (0.212 acres)
Lot Dimensions	140 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	66 sqft
Deck Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	401 E JEFFERSON ST
City	WINTERSET
State	IA
Zip	50273-1437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 66' S1/2 LOT 2 ORIG OUT LOTS EAST
Legal Subdivision	EAST ADD
Legal Lot Number	2
Jurisdiction	MADISON IA
Township / Civil Division	WINTERSET
Census Block Group	3
Census Block	3030
Census Tract	60200

Owner

Source: Madison 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	401 E JEFFERSON ST, WINTERSET, IA 50273-1437
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 22, 2025	Warranty Deed, Transfer · Line of Credit UNION STATE BANK
Apr 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage RURAL DEVELOPMENT GUARANTEED
Feb 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LINCOLN SAVINGS BANK
Feb 11, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage LINCOLN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2025 · Amount on Record
Deed Sale	May 22, 2025 · Amount on Record
Prior Sale	Feb 11, 2019 · Amount on Record
Deed Document Number	20251245
Deed Book / Page	2025 / 1245
Record Updated	Sep 20, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IA
Recording Date	May 22, 2025
Property Address	401 E JEFFERSON ST, WINTERSET, IA 50273-1437
Document Number	02025/1245
Book / Page	2025 / 1245
Instrument Date	May 21, 2025
Instrument	2025 1245
Transaction Type	Transfer
Record Updated	Dec 4, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$383.20
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	401 E JEFFERSON ST, WINTERSET, IA 50273-1437

Mortgage

Document Number	0020251246
Date	May 22, 2025
Instrument	2025 1246

Lender

Name	UNION STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 20, 2035

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	401 E JEFFERSON ST, WINTERSET, IA 50273-1437
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1073
Date	Apr 13, 2022
Book Page	2022/1073
Instrument	2022 1073

Lender

Name	RURAL DEVELOPMENT GUARANTEED
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	401 E JEFFERSON ST, WINTERSET, IA 50273-1437
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/475
Date	Feb 11, 2019
Book Page	2019/475
Instrument	475

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IA
Recording Date	Feb 11, 2019
Property Address	401 E JEFFERSON ST, WINTERSET, IA 50273-1437
Document Number	2019/474
Book / Page	2019 / 474
Instrument Date	Feb 2, 2019
Instrument	474
Transaction Type	Transfer
Record Updated	Oct 21, 2021

Transaction

Amount	Amount Recorded
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	401 E JEFFERSON ST, WINTERSET, IA 50273-1437

Mortgage

Document Number	002019/475
Date	Feb 11, 2019
Book Page	2019/475
Instrument	475

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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	$4,430.00	$239,500 (+5.83%) Land $18,500 Building $221,000	$239,500 (+5.83%) Land $18,500 Building $221,000
2024	$4,430.00 (+12.84%)
2023		$226,300 Land $14,800 Building $211,500	$226,300 Land $14,800 Building $211,500
2022	$3,926.00

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	Low lower than 99.1% of the US · lower than 91% 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	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 371 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: OmniTel-Interstate Cablevision, Verizon.

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