Mitchell County property record for 620 Oak St, Osage, IA 50461
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,818 sqft · built 1912 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $81,000 (Jul 2017) |
| Tax Bill | $1,818 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1026238004 |
| Primary APN | 1026238004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,818 sqft Living Area |
| 1st Floor Area | 772 sqft |
| Basement Area | 792 sqft |
| Unfinished Basement | 792 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Type | Mixed |
| Garage Area | 691 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 108 sqft |
| Deck Area | 340 sqft |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Water Source | Commercial |
| Street Address | 620 OAK ST |
|---|---|
| City | OSAGE |
| State | IA |
| Zip | 50461-1338 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 BLK 204 |
| Legal Block | 204 |
| Legal Lot Number | 3 |
| Jurisdiction | MITCHELL IA |
| Township / Civil Division | OSAGE |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 560300 |
620 Oak St is owned and occupied by an individual who bought it in July 2017.
Source: Mitchell County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 620 OAK ST, OSAGE, IA 50461-1338 |
| 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 16, 2026 | Deed of Trust, Mortgage · Line of Credit CUSB BANK |
| Jul 26, 2017 | Warranty Deed, Transfer · Conventional Mortgage CUSB BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 2017 · Amount on File |
| Deed Sale | Jul 26, 2017 · Amount on File |
| Prior Sale | Oct 5, 2007 · Amount on File |
| Deed Document Number | 20171301 |
| Deed Book / Page | 2017 / 1301 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MITCHELL IA |
| Recording Date | Sep 16, 2026 |
| Property Address | 620 OAK ST, OSAGE, IA 50461-1338 |
| Document Number | 0000001563 |
| Instrument Date | Sep 8, 2026 |
| Instrument | 20261563 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 620 OAK ST, OSAGE, IA 50461-1338 |
| Document Number | 0000001563, |
|---|---|
| Date | Sep 16, 2026 |
| Instrument | 20261563 |
| Name | CUSB BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MITCHELL IA |
| Recording Date | Jul 26, 2017 |
| Property Address | 620 OAK ST, OSAGE, IA 50461-1338 |
| Document Number | 02017/1301 |
| Book / Page | 2017 / 1301 |
| Instrument Date | Jul 18, 2017 |
| Instrument | 2017 1301 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $128.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 620 OAK ST, OSAGE, IA 50461-1338 |
| Document Number | 02017/1302 |
|---|---|
| Date | Jul 26, 2017 |
| Book Page | 2017/1302 |
| Instrument | 2017 1302 |
| Name | CUSB BANK |
|---|---|
| Type | Bank |
| Address | CRESCO, IA 52136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
The 2025 property tax bill for 620 Oak St was $1,818 with a homeowner's exemption, up 0.2% 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 | $1,818.00 (+0.22%) Homeowner's exemption | $125,700 Land $9,900 Building $115,800 | $125,700 Land $9,900 Building $115,800 |
| 2024 | $1,814.00 | ||
| 2023 | $119,290 (+38.48%) Land $9,900 Building $109,390 | $119,290 Land $9,900 Building $109,390 | |
| 2022 | $1,460.00 Homeowner's exemption | $86,140 Land $9,900 Building $76,240 | |
| 2021 | $86,140 Land $9,900 Building $76,240 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 620 Oak 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.
Wildfire risk around 620 Oak 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 99.1% of the US · lower than 91% 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.
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 423 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 1,000 / 500 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Osage Municipal Utilities Cable | 500 / 50 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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