515 E Ayers St, Osceola, IA 50213 Property Records

Clarke County property record for 515 E Ayers St, Osceola, IA 50213

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,608 sqft · built 1969
Lot Size	0.193 acres (8,407 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Jul 2022)
Tax Bill	$3,412 (2025)
Deeds & Mortgages	Nov 2022 Sale Sep 2022 Foreclosure + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01719`

Property Details

APN / Parcel Number

Primary APN	`01719`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,608 sqft Living Area
Basement Area	672 sqft
Unfinished Basement	672 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,407 sqft (0.193 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	515 E AYERS ST
City	OSCEOLA
State	IA
Zip	50213-1301
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	MISC SEC 17E 60' S 140' LOT 3 SW NE
Legal Subdivision	OSC-MISC SEC 17
Legal Block	17
Legal Lot Number	3
Jurisdiction	CLARKE IA
Township / Civil Division	OSCEOLA
Census Block Group	1
Census Block	1001
Census Tract	960100

Owner

Source: Clarke County records, as of September 23, 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	515 E AYERS ST, OSCEOLA, IA 50213-1301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Affidavit, Transfer
Sep 8, 2022	Legal Action/Court Order, Foreclosure
Jul 8, 2022	Affidavit, Transfer
Jul 8, 2022	Affidavit, Transfer · Conventional Mortgage COLLINS COMMUNITY CU
Jul 8, 2022	Legal Action/Court Order, Foreclosure
Jul 8, 2022	Deed, Transfer · Stand-Alone First Mortgage COLLINS COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Deed Document Number	20221139
Prior Transfer Date	Feb 24, 2021
Prior Transfer Doc	0000000301
Record Updated	Oct 29, 2026

November 2022: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CLARKE IA
Recording Date	Nov 30, 2022
Property Address	515 E AYERS ST, OSCEOLA, IA 50213-1301
Document Number	0020221838
Instrument Date	Nov 29, 2022
Instrument	2022-1838
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E AYERS ST, OSCEOLA, IA 50213-1301

September 2022: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLARKE IA
Recording Date	Sep 8, 2022
Property Address	515 E AYERS ST, OSCEOLA, IA 50213-1301
Document Number	0020221438
Map Reference	IN 2022-1139
Instrument Date	Sep 6, 2022
Instrument	2022-1438
Transaction Type	Foreclosure
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E AYERS ST, OSCEOLA, IA 50213-1301

July 2022: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CLARKE IA
Recording Date	Jul 8, 2022
Property Address	515 E AYERS ST, OSCEOLA, IA 50213-1301
Document Number	0020221140
Instrument Date	Jun 30, 2022
Instrument	2022-1140
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E AYERS ST, OSCEOLA, IA 50213-1301

July 2022: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CLARKE IA
Recording Date	Jul 8, 2022
Property Address	515 E AYERS ST, OSCEOLA, IA 50213-1301
Document Number	0020221138
Instrument Date	Jun 30, 2022
Instrument	2022-1138
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E AYERS ST, OSCEOLA, IA 50213-1301

Mortgage

Document Number	0020221144
Date	Jul 8, 2022
Instrument	2022-1144

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2032
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.88%
Index	1-Year CMT

July 2022: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLARKE IA
Recording Date	Jul 8, 2022
Property Address	515 E AYERS ST, OSCEOLA, IA 50213-1301
Document Number	0020221143
Instrument Date	Jun 30, 2022
Instrument	2022-1143
Transaction Type	Foreclosure
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E AYERS ST, OSCEOLA, IA 50213-1301

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CLARKE IA
Recording Date	Jul 8, 2022
Property Address	515 E AYERS ST, OSCEOLA, IA 50213-1301
Document Number	0020221139
Instrument Date	Jun 30, 2022
Instrument	2022-1139
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$271.20
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	515 E AYERS ST, OSCEOLA, IA 50213-1301

Mortgage

Document Number	0020221145
Date	Jul 8, 2022
Instrument	2022-1145

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clarke County assessment roll, as of January 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$176,290 (-) Land $14,700 Building $161,590	$176,290 (-) Land $14,700 Building $161,590
2025	$3,412.00 (+0.59%)	$176,290 (+9.5%) Land $14,700 Building $161,590	$176,290 (+9.5%) Land $14,700 Building $161,590
2024	$3,392.00 (+8.23%)
2023		$161,000 (+21.12%) Land $11,760 Building $149,240	$161,000 (+21.12%) Land $11,760 Building $149,240
2022	$3,134.00	$132,930 Land $10,310 Building $122,620
2021			$132,930 Land $10,310 Building $122,620

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 16, 2018

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 62% of the US · above 68% of Iowa
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	OSCEOLA WATER WORKS serves 5,503 people · EPA ID IA2038038
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Sep 2024
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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Nextlink.

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