686 W Commercial St, Mitchell (Osage), IA 50461 Property Records

Mitchell County property record for 686 W Commercial St, Mitchell, IA 50461

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,904 sqft · built 1991
Lot Size	1.43 acres (62,291 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Jan 2020)
Tax Bill	$4,968 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1008178003`

Property Details

APN / Parcel Number

Primary APN	`1008178003`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,904 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Finished Basement	1,000 sqft
Unfinished Basement	120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	62,291 sqft (1.43 acres)
Garage Type	Attached
Garage Area	746 sqft
Parking Spaces	3 Parking Spaces
Deck Area	656 sqft
Patio Area	286 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	686 W COMMERCIAL ST
City	MITCHELL
State	IA
Zip	50461-8054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BARNETT'S ADD TRACT #3 SEE SURVEY PLAT BK 3 PGS 498-499
Legal Range	17W
Legal Township	98N
Legal Section	08
Legal Tract	3
Jurisdiction	MITCHELL IA
Township / Civil Division	MITCHELL
Census Block Group	1
Census Block	1098
Census Tract	560200

Owner

686 W Commercial St is owned and occupied by two individuals who bought it in January 2020.

Source: Mitchell County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	686 W COMMERCIAL ST, MITCHELL, IA 50461-8054
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK
Jan 27, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020 · Amount on File
Deed Sale	Jan 27, 2020 · Amount on File
Deed Document Number	2020179
Deed Book / Page	2020 / 179
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MITCHELL IA
Property Address	686 W COMMERCIAL ST, MITCHELL, IA 50461-8054
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1607
Date	Aug 14, 2020
Book Page	2020/1607
Instrument	2020 1607

Lender

Name	FIRST CITIZENS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MITCHELL IA
Recording Date	Jan 27, 2020
Property Address	686 W COMMERCIAL ST, MITCHELL, IA 50461-8054
Document Number	2020/179
Book / Page	2020 / 179
Instrument Date	Nov 4, 2019
Instrument	179
Transaction Type	Transfer
Record Updated	Oct 18, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 W COMMERCIAL ST, MITCHELL, IA 50461-8054

Mortgage

Document Number	180
Date	Jan 27, 2020
Instrument	180

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	002020/179
Date	Jan 27, 2020
Book Page	2020/179
Instrument	179

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 686 W Commercial St was $4,968 with a homeowner's exemption, up 2.6% from the year before.

Source: Mitchell County assessment roll, as of October 21, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,968.00 (+2.56%) Homeowner's exemption	$376,580 Land $26,080 Building $350,500	$376,580 Land $26,080 Building $350,500
2024	$4,844.00
2023		$352,240 (+27.46%) Land $26,080 Building $326,160	$352,240 Land $26,080 Building $326,160
2022	$4,318.00 Homeowner's exemption	$276,360 Land $26,080 Building $250,280
2021			$276,360 Land $26,080 Building $250,280

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 686 W Commercial St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 686 W Commercial 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 94% of the US · lower than 62% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Osage Municipal Utilities Fiber	500 / 50
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink.

Cell Coverage

5G and 4G LTE (outdoors only)

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