423 E Jefferson St, Winterset, IA 50273 Property Records

Madison County property record for 423 E Jefferson St, Winterset, IA 50273

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,913 sqft · built 1920
Lot Size	0.199 acres (8,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,500 (Sep 2025)
Tax Bill	$4,246 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Mar 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`820002202080000`

Property Details

APN / Parcel Number

Primary APN	`820002202080000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,913 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,680 sqft (0.199 acres)
Lot Dimensions	140 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	184 sqft
Deck Area	184 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	423 E JEFFERSON ST
City	WINTERSET
State	IA
Zip	50273-1437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E1/2 SE1/4, LOT 2 ORIG OUT LOTS EAST
Legal Subdivision	TOWN OF WINTERSET
Legal Lot Number	2
Jurisdiction	MADISON IA
Township / Civil Division	WINTERSET
Census Block Group	3
Census Block	3030
Census Tract	60200

Owner

Source: Madison County records, as of June 30, 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	423 E JEFFERSON ST, WINTERSET, IA 50273-1437
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
Mar 20, 2024	Deed of Trust, Mortgage · Closed-End Mortgage AMERICAN STATE BANK
Aug 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN STATE BANK
Jun 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
Jul 15, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025 · Amount on Record
Deed Sale	Sep 25, 2025 · Amount on Record
Prior Sale	Jul 15, 2022 · Amount on Record
Deed Book / Page	2025 / 2550
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IA
Recording Date	Sep 25, 2025
Property Address	423 E JEFFERSON ST, WINTERSET, IA 50273-1437
Document Number	02025/2550
Book / Page	2025 / 2550
Instrument Date	Sep 13, 2025
Instrument	2025 2550
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$439.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	423 E JEFFERSON ST, WINTERSET, IA 50273-1437

Mortgage

Document Number	0020252551
Date	Sep 25, 2025
Instrument	2025 2551

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	423 E JEFFERSON ST, WINTERSET, IA 50273-1437
Transaction Type	Mortgage
Record Updated	Apr 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 E JEFFERSON ST, WINTERSET, IA 50273-1437

Mortgage

Document Number	002024/593
Date	Mar 20, 2024
Book Page	2024/593
Instrument	2024 593

Lender

Name	AMERICAN STATE BANK
Type	Bank
Address	WINTERSET, IA 50273

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 15, 2049

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	423 E JEFFERSON ST, WINTERSET, IA 50273-1437
Transaction Type	Mortgage
Record Updated	Sep 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2398
Date	Aug 11, 2022
Book Page	2022/2398
Instrument	2022 2398

Lender

Name	AMERICAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 10, 2032

Interest

Rate Type	Fixed Rate

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IA
Property Address	423 E JEFFERSON ST, WINTERSET, IA 50273-1437
Transaction Type	Mortgage
Record Updated	Jul 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1874
Date	Jun 22, 2022
Book Page	2022/1874
Instrument	2022 1874

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 15, 2023

Interest

Rate Type	Fixed Rate

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IA
Recording Date	Jul 15, 2022
Property Address	423 E JEFFERSON ST, WINTERSET, IA 50273-1437
Document Number	02022/2101
Book / Page	2022 / 2101
Instrument Date	Jul 13, 2022
Instrument	2022 2101
Transaction Type	Transfer
Record Updated	Aug 17, 2022

Transaction

Amount	Amount Recorded
Tax	$373.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 E JEFFERSON ST, WINTERSET, IA 50273-1437

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	$4,246.00 Homeowner's exemption	$232,700 (+2.47%) Land $17,400 Building $215,300	$232,700 (+2.47%) Land $17,400 Building $215,300
2024	$4,246.00 (+28.28%)
2023		$227,100 Land $13,900 Building $213,200	$227,100 Land $13,900 Building $213,200
2022	$3,310.00

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

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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINTERSET MUNICIPAL WATERWORKS serves 5,428 people · EPA ID IA6171029
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Oct 2018
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 371 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: OmniTel-Interstate Cablevision, Verizon.

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