Mitchell County property record for 520 Cedar St, Osage, IA 50461
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,504 sqft · built 1892 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,258 (2025) |
| Deeds & Mortgages | Sep 2026 Sale May 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1026430005 |
| Primary APN | 1026430005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,504 sqft Living Area |
| 1st Floor Area | 384 sqft |
| Basement Area | 640 sqft |
| Unfinished Basement | 640 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1892 |
|---|---|
| Effective Year Built | Effective 1892 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 28,314 sqft (0.65 acres) |
| Lot Dimensions | 231 ft deep x 124 ft wide |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 180 sqft |
| Patio Area | 272 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 520 CEDAR ST |
|---|---|
| City | OSAGE |
| State | IA |
| Zip | 50461-1226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EX ST & EX S 4 R, LOT 86 SE 1/4 AB-23 |
| Legal Range | 17W |
| Legal Township | 98N |
| Legal Section | 26 |
| Legal Lot Number | 86 |
| Jurisdiction | MITCHELL IA |
| Township / Civil Division | OSAGE |
| Census Block Group | 3 |
| Census Block | 3052 |
| Census Tract | 560300 |
520 Cedar St is owned and occupied by two individuals.
Source: Mitchell County records, as of September 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 CEDAR ST, OSAGE, IA 50461-1226 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Sep 2, 2026 | Affidavit, Transfer |
| May 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CUSB BANK |
| Nov 19, 2020 | Warranty Deed, Transfer · Conventional Mortgage CUSB BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | MITCHELL IA |
| Recording Date | Sep 2, 2026 |
| Property Address | 520 CEDAR ST, OSAGE, IA 50461-1226 |
| Document Number | 0000001473 |
| Instrument Date | Sep 2, 2026 |
| Instrument | 20261473 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 CEDAR ST, OSAGE, IA 50461-1226 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL IA |
| Property Address | 520 CEDAR ST, OSAGE, IA 50461-1226 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002022/952 |
|---|---|
| Date | May 25, 2022 |
| Book Page | 2022/952 |
| Instrument | 2022 952 |
| Name | CUSB BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL IA |
| Recording Date | Nov 19, 2020 |
| Property Address | 520 CEDAR ST, OSAGE, IA 50461-1226 |
| Document Number | 02020/2312 |
| Book / Page | 2020 / 2312 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 2020 2312 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $56.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 CEDAR ST, OSAGE, IA 50461-1226 |
| Document Number | 02020/2329 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 2020/2329 |
| Instrument | 2020 2329 |
| Name | CUSB BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 520 Cedar St was $1,258 with a homeowner's exemption, up 5% from the year before.
Source: Mitchell County assessment roll, as of October 21, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Mitchell County |
| Municipality | Osage City |
| Unified School District | Osage Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,258.00 (+5.01%) Homeowner's exemption | $116,740 Land $20,140 Building $96,600 | $116,740 Land $20,140 Building $96,600 |
| 2024 | $1,198.00 | ||
| 2023 | $92,060 (+35.4%) Land $20,140 Building $71,920 | $111,740 | |
| 2022 | $1,284.00 | $67,990 Land $20,140 Building $47,850 | |
| 2021 | $67,990 Land $20,140 Building $47,850 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 Cedar St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2013.
Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · 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 | 3 (2013–2024) |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, 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.
The area around 520 Cedar St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OSAGE MUNICIPAL WATER SUPPLY serves 3,637 people · EPA ID IA6663001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 11 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 1,000 / 500 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Osage Municipal Utilities Cable | 500 / 50 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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