Webster County property record for 528 Main St, Otho, IA 50569
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,692 sqft · built 1918 |
| Lot Size | 0.326 acres (14,201 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,414 (2025) |
| Deeds & Mortgages | May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1119203008 |
| Primary APN | 1119203008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,692 sqft Living Area |
| 1st Floor Area | 576 sqft |
| Basement Area | 828 sqft |
| Unfinished Basement | 828 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | A-Frame |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 14,201 sqft (0.326 acres) |
| Lot Dimensions | 142 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Deck Area | Deck Area |
| Patio Area | 24 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 528 MAIN ST |
|---|---|
| City | OTHO |
| State | IA |
| Zip | 50569-1222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 14-01 FD OTHO INC FORTNEY'S ADD BLK 1 LOTS 14-15 |
| Legal Subdivision | FD OTHO INC FORTNEY'S ADD |
| Legal Block | 1 |
| Legal Lot Number | 14,15 |
| Jurisdiction | WEBSTER IA |
| Township / Civil Division | OTHO |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 10400 |
528 Main St is owned and occupied by two individuals.
Source: Webster County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 528 MAIN ST, OTHO, IA 50569-1222 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEBSTER IA |
| Property Address | 528 MAIN ST, OTHO, IA 50569-1222 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0202202356 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 2022-02356 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 288 Months |
| Due | Apr 1, 2046 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 528 Main St was $1,414 with a homeowner's exemption.
Source: Webster County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Webster County |
| Municipality | Otho City |
| Unified School District | Fort Dodge Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $102,110 (+0.5%) Land $6,750 Building $95,360 | $102,110 (+0.5%) Land $6,750 Building $95,360 | |
| 2025 | $1,414.00 Homeowner's exemption | $101,600 Land $6,750 Building $94,850 | $101,600 Land $6,750 Building $94,850 |
| 2024 | $1,414.00 | ||
| 2023 | $93,980 (+12.82%) Land $6,750 Building $87,230 | $93,980 Land $6,750 Building $87,230 | |
| 2022 | $1,344.00 Homeowner's exemption | $83,300 Land $6,750 Building $76,550 | |
| 2021 | $83,300 Land $6,750 Building $76,550 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 528 Main St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.
Source: FEMA National Flood Hazard Layer, effective December 4, 2012 · 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 | 4 (1993–2019) |
| Most Recent Claim | Mar 2019 · Severe Storms And Flooding |
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 528 Main 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 | OTHO WATER SUPPLY serves 431 people · EPA ID IA9464008 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Also Mapped Here | XENIA RWD (DES MOINES) |
| Lead | 1 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 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lehigh Valley Cooperative Telephone Association Fiber | 1,000 / 500 |
May also be available: WMTel.
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