421 Oak Tree Dr, Winterset, IA 50273 Property Records

Madison County property record for 421 Oak Tree Dr, Winterset, IA 50273

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,411 sqft · built 2017
Lot Size	0.148 acres (6,448 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,500 (Feb 2023)
Tax Bill	$4,172 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`832006600041200`

Property Details

APN / Parcel Number

Primary APN	`832006600041200`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,411 sqft Living Area
1st Floor Area	596 sqft
Basement Area	649 sqft
Finished Basement	100 sqft
Unfinished Basement	549 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Townhouse
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,448 sqft (0.148 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft
Deck Area	155 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	421 OAK TREE DR
City	WINTERSET
State	IA
Zip	50273-8248
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 8B PLAT 2 ARBOR PARK
Legal Subdivision	ARBOR PARK
Legal Lot Number	8B
Jurisdiction	MADISON IA
Township / Civil Division	WINTERSET
Census Block Group	2
Census Block	2049
Census Tract	60102

Owner

Source: Madison County records, as of May 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	421 OAK TREE DR, WINTERSET, IA 50273-8248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION STATE BANK
Feb 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CHOICE CU
Feb 1, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION STATE BANK
Jan 19, 2018	Warranty Deed, Transfer · VA Mortgage GERSHMAN INVESTMENT CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2023 · Amount on Record
Deed Sale	Feb 21, 2023 · Amount on Record
Prior Sale	Feb 1, 2021 · Amount on Record
Deed Document Number	2023333
Deed Book / Page	2023 / 333
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	421 OAK TREE DR, WINTERSET, IA 50273-8248
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1597
Date	Apr 19, 2021
Book Page	2021/1597
Instrument	2021 1597

Lender

Name	UNION STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 16, 2026

Interest

Rate Type	Fixed Rate

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	421 OAK TREE DR, WINTERSET, IA 50273-8248
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/334
Date	Feb 21, 2023
Book Page	2023/334
Instrument	2023 334

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IA
Recording Date	Feb 1, 2021
Property Address	421 OAK TREE DR, WINTERSET, IA 50273-8248
Document Number	002021/391
Book / Page	2021 / 391
Instrument Date	Jan 27, 2021
Instrument	2021 391
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$301.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 OAK TREE DR, WINTERSET, IA 50273-8248

Mortgage

Document Number	002021/392
Date	Feb 1, 2021
Book Page	2021/392
Instrument	2021 392

Lender

Name	UNION STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IA
Recording Date	Jan 19, 2018
Property Address	421 OAK TREE DR, WINTERSET, IA 50273-8248
Document Number	002018/214
Book / Page	2018 / 214
Instrument Date	Jan 16, 2018
Instrument	000000000214
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	421 OAK TREE DR, WINTERSET, IA 50273-8248
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002018/0000000215
Date	Jan 19, 2018
Book Page	0000002018/0000000215
Instrument	000000000215

Lender

Name	GERSHMAN INVESTMENT CO

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

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	$4,172.00	$243,100 (+14.08%) Land $27,400 Building $215,700	$243,100 (+14.08%) Land $27,400 Building $215,700
2024	$4,172.00 (-4.97%)
2023		$213,100 Land $11,900 Building $201,200	$213,100 Land $11,900 Building $201,200
2022	$4,390.00

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 · 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	4 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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: BTWI.

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