406 E Main St, Ossian, IA 52161 Property Records

Winneshiek County property record for 406 E Main St, Ossian, IA 52161

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,326 sqft · built 1920
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jun 2021)
Tax Bill	$2,314 (2026)
Deeds & Mortgages	Feb 2018 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`191137600200`

Property Details

APN / Parcel Number

Primary APN	`191137600200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,326 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Finished Basement	225 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	98 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	406 E MAIN ST
City	OSSIAN
State	IA
Zip	52161-8100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 11 & 12 BLK 13 BROOKS & N 10' VAC ALLEY ADJ TO LOT 18
Legal Range	08W
Legal Township	96N
Legal Section	11
Legal Subdivision	BROOKS ADD
Legal Block	13
Legal Lot Number	11-12
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	Individual Name on Record
Mailing Address	406 E MAIN ST, OSSIAN, IA 52161-8100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2018	Deed of Trust, Mortgage · Line of Credit LUANA SAVINGS BANK
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage LUANNA SAVINGS BANK
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage LUANNA SAVINGS BANK
Jun 1, 2021	Warranty Deed, Transfer · Conventional Mortgage LUANNA SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2021 · Amount on Record
Deed Sale	Jun 1, 2021 · Amount on Record
Deed Document Number	20212239
Deed Book / Page	2021 / 2239
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	406 E MAIN ST, OSSIAN, IA 52161-8100
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000303
Date	Feb 2, 2018
Book Page	0000002018/0000000303
Instrument	000000000303

Lender

Name	LUANA SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2048

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	406 E MAIN ST, OSSIAN, IA 52161-8100
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2241
Date	Jun 1, 2021
Book Page	2021/2241
Instrument	2021 2241

Lender

Name	LUANNA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNESHIEK IA
Property Address	406 E MAIN ST, OSSIAN, IA 52161-8100
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2241
Date	Jun 1, 2021
Book Page	2021/2241
Instrument	2021 2241

Lender

Name	LUANNA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Jun 1, 2021
Property Address	406 E MAIN ST, OSSIAN, IA 52161-8100
Document Number	02021/2239
Book / Page	2021 / 2239
Instrument Date	May 27, 2021
Instrument	2021 2239
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E MAIN ST, OSSIAN, IA 52161-8100

Mortgage

Document Number	0020212240
Date	Jun 1, 2021
Instrument	2021 2240

Lender

Name	LUANNA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$2,314.00	$145,670 (-) Land $9,360 Building $136,310	$145,670 (-) Land $9,360 Building $136,310
2025	$2,314.00 (+13.99%) Homeowner's exemption	$145,670 (+15.91%) Land $9,360 Building $136,310	$145,670 (+15.91%) Land $9,360 Building $136,310
2024	$2,030.00 (+6.39%)
2023		$125,680 (+15.36%) Land $9,360 Building $116,320	$125,680 (+15.36%) Land $9,360 Building $116,320
2022	$1,908.00 Homeowner's exemption	$108,950 Land $7,800 Building $101,150
2021			$108,950 Land $7,800 Building $101,150

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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