424 E Main St, Ottumwa, IA 52501 Property Records

Wapello County property record for 424 E Main St, Ottumwa, IA 52501

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3,120 sqft · built 1900
Lot Size	0.075 acres (3,278 sqft)
Owner	Individual Name on File
Last Sale	$26,000 (Aug 2013)
Tax Bill	$1,256 (2026)
Deeds & Mortgages	Dec 2017 Mortgage Oct 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`007411240308000`

Property Details

APN / Parcel Number

Primary APN	`007411240308000`

Interior

Units	3 Units
Stories	2 Stories
Building Area	3,120 sqft Gross Area
1st Floor Area	1,320 sqft
Basement Area	1,320 sqft
Overhead Door	Overhead Door

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Log
Roof Material	Urethane Foam
Lot Area	3,278 sqft (0.075 acres)
Lot Dimensions	149 ft deep x 22 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	424 E MAIN ST
City	OTTUMWA
State	IA
Zip	52501-3026
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	OTTUMWA ORIGINAL SE OTTUMWA ORIGINAL SE 22'LOT 346 BLK 31 22'LOT 346 BLK 31 (424 E. MAIN) (424 E. MAIN) (1ST FLR - APT 101)
Legal Subdivision	OTTUMWA ORIG
Legal Block	31,424
Legal Lot Number	346
Jurisdiction	WAPELLO IA
Township / Civil Division	CENTER
Census Block Group	1
Census Block	1039
Census Tract	960500

Owner

424 E Main St, a commercial property, is owned by an individual who acquired it in October 2020.

Source: Wapello County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	416 N GREEN ST, OTTUMWA, IA 52501-2611
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2017	Deed of Trust, Mortgage COMMUNITY 1ST CU
Oct 22, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2013 · Amount on File
Deed Sale	Aug 29, 2013 · Amount on File
Deed Document Number	20134193
Deed Book / Page	2013 / 4193
Last Transfer Date	Oct 22, 2020
Transfer Doc	2020/4282
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAPELLO IA
Property Address	424 E MAIN ST, OTTUMWA, IA 52501-3039
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/5079
Date	Dec 1, 2017
Book Page	2017/5079
Instrument	2017 5079

Lender

Name	COMMUNITY 1ST CU
Type	Credit Union
Address	OTTUMWA, IA 52501

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 30, 2037

Interest

Rate Type	Adjustable Rate

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAPELLO IA
Recording Date	Oct 22, 2020
Property Address	424 E MAIN ST, OTTUMWA, IA 52501-3039
Document Number	2020/4282
Book / Page	2020 / 4282
Instrument Date	Oct 22, 2020
Instrument	2020 4282
Transaction Type	Transfer
Record Updated	Jun 2, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 N GREEN ST, OTTUMWA, IA 52501-2611

Tax Assessment & Valuation

The 2026 property tax bill for 424 E Main St was $1,256, up 10.8% from the year before.

Source: Wapello County assessment roll, as of October 9, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Wapello County
Municipality	Ottumwa City
Unified School District	Ottumwa Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,256.00 (+10.76%)	$62,850 (-) Land $6,560 Building $56,290	$62,850 (-) Land $6,560 Building $56,290
2025	$1,134.00	$62,850 Land $6,560 Building $56,290	$62,850 Land $6,560 Building $56,290
2024	$1,134.00
2023		$52,250 (+21.99%) Land $6,560 Building $45,690	$52,250 Land $6,560 Building $45,690
2022	$1,024.00	$42,830 Land $6,560 Building $36,270
2021			$42,830 Land $6,560 Building $36,270

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 424 E Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective January 28, 2021 · 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
Nearby Flood Claims	2 (1998–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2010 · Severe Storms, Flooding, And Tornadoes

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

Wildfire risk around 424 E Main 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 99.8% 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.

Drinking Water

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

Water System	OTTUMWA WATER WORKS serves 25,529 people · EPA ID IA9083012
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MCG Fiber	2,000 / 2,000
Mediacom Xtream Cable	2,000 / 1,000

May also be available: LISCOFIBER, Verizon.

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