Osceola County property record for 538 Maple St, Melvin, IA 51350
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,526 sqft · built 1956 |
| Lot Size | 0.387 acres (16,875 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $32,500 (Nov 2017) |
| Tax Bill | $829 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 300020204000 |
| Primary APN | 300020204000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,526 sqft Living Area |
| 1st Floor Area | 299 sqft |
| Basement Area | 928 sqft |
| Finished Basement | 370 sqft |
| Unfinished Basement | 558 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,875 sqft (0.387 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 299 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 78 sqft |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 538 MAPLE ST |
|---|---|
| City | MELVIN |
| State | IA |
| Zip | 51350-7722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4; W1/2 LOT 5 BLK 2 SOUTHSIDE ADDITION |
| Legal Subdivision | SOUTHSIDE ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 4,5 |
| Jurisdiction | OSCEOLA IA |
| Township / Civil Division | BAKER |
| Census Block Group | 1 |
| Census Block | 1108 |
| Census Tract | 460200 |
538 Maple St is owned and occupied by two individuals who bought it in November 2017.
Source: Osceola County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 538 MAPLE ST, MELVIN, IA 51350-7722 |
| 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 |
|---|---|
| Oct 11, 2019 | Deed of Trust, Mortgage · Balloon Mortgage VERIDIAN CREDIT UNION |
| Nov 15, 2017 | Warranty Deed, Transfer · Stand-Alone First Mortgage STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2017 · Amount on File |
| Deed Sale | Nov 15, 2017 · Amount on File |
| Deed Document Number | 20171569 |
| Deed Book / Page | 2017 / 1569 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA IA |
| Property Address | 538 MAPLE ST, MELVIN, IA 51350-7722 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02019/1216 |
|---|---|
| Date | Oct 11, 2019 |
| Book Page | 2019/1216 |
| Instrument | 20191216 |
| Name | VERIDIAN CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA IA |
| Recording Date | Nov 15, 2017 |
| Property Address | 538 MAPLE ST, MELVIN, IA 51350-7722 |
| Document Number | 2017/1569 |
| Book / Page | 2017 / 1569 |
| Instrument Date | Sep 15, 2017 |
| Instrument | 20171569 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 538 MAPLE ST, MELVIN, IA 51350-7722 |
| Document Number | 02017/1570 |
|---|---|
| Date | Nov 15, 2017 |
| Book Page | 2017/1570 |
| Instrument | 20171570 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 538 Maple St was $829 with a homeowner's exemption, up 0.6% from the year before.
Source: Osceola County assessment roll, as of October 10, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Osceola County |
| Municipality | Melvin City |
| Unified School District | Hartley-Melvin-Sanborn Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $829.00 (+0.61%) Homeowner's exemption | $72,130 Land $5,630 Building $66,500 | $72,130 Land $5,630 Building $66,500 |
| 2024 | $824.00 | ||
| 2023 | $68,640 Land $5,630 Building $63,010 | $68,640 Land $5,630 Building $63,010 | |
| 2022 | $698.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 538 Maple St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
Source: FEMA National Flood Hazard Layer, effective November 4, 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 | 2 in force |
| Nearby Flood Claims | 1 (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.
Wildfire risk around 538 Maple St is low, with 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 97% of the US · lower than 76% of Iowa |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MELVIN WATERWORKS serves 202 people · EPA ID IA7234069 |
|---|---|
| Water Source | Purchased groundwater from OSCEOLA RURAL WATER SYSTEM-NORTH |
| Last State Inspection | Jul 2024 |
| Lead | 5 ppb (2021–2023) 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 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Premier Communications Cable · Fiber in parts of the area | 1,000 / 100 |
| GigFire Fixed Wireless | 150 / 130 |
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