Mitchell County property record for 402 S 7th St, Osage, IA 50461
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,712 sqft · built 1895 |
| Lot Size | 0.439 acres (19,140 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,180 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1025110001 |
| Primary APN | 1025110001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,712 sqft Living Area |
| 1st Floor Area | 732 sqft |
| Basement Area | 732 sqft |
| Unfinished Basement | 732 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 19,140 sqft (0.439 acres) |
| Lot Dimensions | 145 ft deep x 132 ft wide |
| Garage Type | Attached |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 733 sqft |
| Patio Area | 270 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 402 S 7TH ST |
|---|---|
| City | OSAGE |
| State | IA |
| Zip | 50461-1325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 13FT LOT 4 & ALL LOTS 5 & 6 BLK 205 |
| Legal Block | 205 |
| Legal Lot Number | 4-6 |
| Jurisdiction | MITCHELL IA |
| Township / Civil Division | OSAGE |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 560300 |
402 S 7th St is owned and occupied by two individuals.
Source: Mitchell County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 402 S 7TH ST, OSAGE, IA 50461-1325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 23, 2026 | Deed of Trust, Mortgage · Line of Credit CUSB BANK |
| Oct 18, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage CUSB BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL IA |
| Recording Date | Sep 23, 2026 |
| Property Address | 402 S 7TH ST, OSAGE, IA 50461-1325 |
| Document Number | 0000001606 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 20261606 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 402 S 7TH ST, OSAGE, IA 50461-1325 |
| Document Number | 0000001606, |
|---|---|
| Date | Sep 23, 2026 |
| Instrument | 20261606 |
| Name | CUSB BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL IA |
| Recording Date | Oct 18, 2019 |
| Property Address | 402 S 7TH ST, OSAGE, IA 50461-1325 |
| Document Number | 02019/1673 |
| Book / Page | 2019 / 1673 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 1673 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 MAPLE ST, OSAGE, IA 50461-1219 |
| Document Number | 02019/1674 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | 2019/1674 |
| Instrument | 1674 |
| Name | CUSB BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2025 property tax bill for 402 S 7th St was $4,180, up 1.9% from the year before.
Source: Mitchell County assessment roll, as of October 21, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Mitchell County |
| Municipality | Osage City |
| Unified School District | Osage Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,180.00 (+1.85%) | $263,880 Land $21,410 Building $242,470 | $263,880 Land $21,410 Building $242,470 |
| 2024 | $4,104.00 | ||
| 2023 | $246,810 (+26.76%) Land $21,410 Building $225,400 | $246,810 Land $21,410 Building $225,400 | |
| 2022 | $3,678.00 | $194,700 Land $21,410 Building $173,290 | |
| 2021 | $194,700 Land $21,410 Building $173,290 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 S 7th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · 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 |
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 risk around 402 S 7th 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OSAGE MUNICIPAL WATER SUPPLY serves 3,637 people · EPA ID IA6663001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 11 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 423 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 1,000 / 500 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Osage Municipal Utilities Cable | 500 / 50 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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