421 E Main St, Ossian, IA 52161 Property Records

Winneshiek County property record for 421 E Main St, Ossian, IA 52161

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,560 sqft · built 1940
Lot Size	0.337 acres (14,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Apr 2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`191132800800`

Property Details

APN / Parcel Number

Primary APN	`191132800800`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,700 sqft (0.337 acres)
Lot Dimensions	140 ft deep x 135 ft wide
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	54 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	421 E MAIN ST
City	OSSIAN
State	IA
Zip	52161-8100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 1, 2, 3 & 4 BLK 11 BROOKS
Legal Range	08W
Legal Township	96N
Legal Section	11
Legal Subdivision	BROOKS SECOND ADDITION
Legal Block	11
Jurisdiction	WINNESHIEK IA
Township / Civil Division	MILITARY
Census Block Group	4
Census Block	4076
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	421 E MAIN ST, DECORAH, IA 52101-1945
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Apr 24, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Nov 13, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Deed Document Number	2026878
Deed Book / Page	2026 / 878
Prior Transfer Date	Nov 12, 2019
Prior Transfer Doc	2019/3291
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Apr 24, 2026
Property Address	421 E MAIN ST, OSSIAN, IA 52161-8100
Document Number	002026/878
Book / Page	2026 / 878
Instrument Date	Apr 14, 2026
Instrument	2026878
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$35,471.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000000879,
Date	Apr 24, 2026
Instrument	2026879

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Apr 24, 2026
Property Address	421 E MAIN ST, OSSIAN, IA 52161-8100
Document Number	0000000878
Book / Page	2026 / 878
Instrument Date	Apr 14, 2026
Instrument	2026.878
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$35,471.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000000879,
Date	Apr 24, 2026
Instrument	2026..879

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNESHIEK IA
Recording Date	Nov 13, 2019
Property Address	421 E MAIN ST, OSSIAN, IA 52161-8100
Document Number	02019/3291
Book / Page	2019 / 3291
Instrument Date	Nov 12, 2019
Instrument	3291
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	Assessed Value	Assessed Market Value
2026	$157,070 (-) Land $20,060 Building $137,010	$157,070 (-) Land $20,060 Building $137,010
2025	$157,070 (+13.28%) Land $20,060 Building $137,010	$157,070 (+13.28%) Land $20,060 Building $137,010
2023	$138,660 Land $20,060 Building $118,600	$138,660 Land $20,060 Building $118,600

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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