402 North St, Otho, IA 50569 Property Records

Webster County property record for 402 North St, Otho, IA 50569

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 848 sqft · built 1952
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$108,000 (Jun 2026)
Tax Bill	$1,248 (2025)
Deeds & Mortgages	Jun 2008 Mortgage Apr 2007 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1119232004`

Property Details

APN / Parcel Number

Primary APN	`1119232004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	848 sqft Living Area
1st Floor Area	848 sqft
Basement Area	848 sqft
Unfinished Basement	848 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Deck Area	128 sqft
Patio Area	128 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	402 NORTH ST
City	OTHO
State	IA
Zip	50569-1300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FD OTHO INC RAKES ADD BLK 1 LOT 6
Legal Subdivision	FD OTHO INC RAKES ADD
Legal Block	1
Legal Lot Number	6
Jurisdiction	WEBSTER IA
Township / Civil Division	OTHO
Census Block Group	3
Census Block	3030
Census Tract	10400

Owner

402 North St is owned and occupied by an individual who bought it in June 2026.

Source: Webster County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	402 NORTH ST, OTHO, IA 50569-1300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2008	Deed of Trust, Mortgage CITIZENS COMMUNITY CU
Apr 9, 2007	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA ND
Oct 29, 2012	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jun 12, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CTR
Jun 12, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE CENTER LLC
Oct 3, 2016	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2026 · Amount on File
Deed Sale	Jun 12, 2026 · Amount on File
Prior Sale	Oct 3, 2016 · Amount on File
Deed Document Number	20262704
Record Updated	Oct 29, 2026

June 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	402 NORTH ST, OTHO, IA 50569-1300
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200803748
Date	Jun 23, 2008
Instrument	2008-03748

Lender

Name	CITIZENS COMMUNITY CU
Address	FORT DODGE, IA 50501

Agreement

Amount	Amount on Record
Term	72 Months
Due	Jun 25, 2014

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	402 NORTH ST, OTHO, IA 50569-1300
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200701965
Date	Apr 9, 2007
Instrument	2007-01965

Lender

Name	US BANK NA ND
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 6, 2022

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER IA
Property Address	402 NORTH ST, OTHO, IA 50569-1300
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201206574
Date	Oct 29, 2012
Instrument	2012-06574

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2027

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER IA
Recording Date	Jun 12, 2026
Property Address	402 NORTH ST, OTHO, IA 50569-1300
Document Number	0000002704
Instrument Date	Jun 12, 2026
Instrument	20262704
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,372.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 NORTH ST, OTHO, IA 50569-1300

Mortgage

Document Number	0000002705,
Date	Jun 12, 2026
Instrument	20262705

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER IA
Recording Date	Jun 12, 2026
Property Address	402 NORTH ST, OTHO, IA 50569-1300
Document Number	0202602704
Instrument Date	Jun 12, 2026
Instrument	20262704
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,372.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 NORTH ST, OTHO, IA 50569-1300

Mortgage

Document Number	0000002705,
Date	Jun 12, 2026
Instrument	20262705

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER IA
Recording Date	Oct 3, 2016
Property Address	402 NORTH ST, OTHO, IA 50569-1300
Document Number	0201604463
Instrument Date	Sep 26, 2016
Instrument	2016-04463
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$103.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 NORTH ST, OTHO, IA 50569-1300

Tax Assessment & Valuation

The 2025 property tax bill for 402 North St was $1,248.

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
2026		$77,840 (-) Land $3,750 Building $74,090	$77,840 (-) Land $3,750 Building $74,090
2025	$1,248.00	$77,840 Land $3,750 Building $74,090	$77,840 Land $3,750 Building $74,090
2024	$1,248.00
2023		$73,860 (+13.35%) Land $3,750 Building $70,110	$73,860 Land $3,750 Building $70,110
2022	$1,178.00	$65,160 Land $3,750 Building $61,410
2021			$65,160 Land $3,750 Building $61,410

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 402 North St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.

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

Wildfire risk around 402 North St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 76% 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	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 168 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: WMTel.

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