Osceola County property record for 748 Spruce St, Ocheyedan, IA 51354
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,350 sqft · built 1961 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (May 2026) |
| Tax Bill | $974 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 310020314000 |
| Primary APN | 310020314000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,350 sqft Living Area |
| 1st Floor Area | 1,350 sqft |
| Basement Area | 1,350 sqft |
| Finished Basement | 338 sqft |
| Unfinished Basement | 1,012 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,500 sqft (0.149 acres) |
| Lot Dimensions | 50 ft deep x 130 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 320 sqft |
| Deck Area | 134 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Street Address | 748 SPRUCE ST |
|---|---|
| City | OCHEYEDAN |
| State | IA |
| Zip | 51354-7797 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 14-15 BLK 3 BOYDS 1ST ADDITION |
| Legal Subdivision | BOYDS 1ST |
| Legal Block | 3 |
| Legal Lot Number | 14,15 |
| Jurisdiction | OSCEOLA IA |
| Township / Civil Division | OCHEYEDAN |
| Census Block Group | 4 |
| Census Block | 4036 |
| Census Tract | 460200 |
Source: Osceola County records, as of June 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 748 SPRUCE ST, OCHEYEDAN, IA 51354-7797 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| May 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK |
| May 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on Record |
| Deed Sale | May 26, 2026 · Amount on Record |
| Deed Document Number | 2026589 |
| Deed Book / Page | 2026 / 589 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA IA |
| Recording Date | May 26, 2026 |
| Property Address | 748 SPRUCE ST, OCHEYEDAN, IA 51354-7797 |
| Document Number | 0000000589 |
| Book / Page | 2026 / 589 |
| Instrument Date | May 18, 2026 |
| Instrument | 2026589 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $28,199.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 748 SPRUCE ST, OCHEYEDAN, IA 51354-7797 |
| Document Number | 0000000590, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 2026590 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 1, 2031 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA IA |
| Recording Date | May 26, 2026 |
| Property Address | 748 SPRUCE ST, OCHEYEDAN, IA 51354-7797 |
| Document Number | 002026/589 |
| Book / Page | 2026 / 589 |
| Instrument Date | May 18, 2026 |
| Instrument | 2026589 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $28,199.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 748 SPRUCE ST, OCHEYEDAN, IA 51354-7797 |
| Document Number | 0000000590, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 2026590 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 1, 2031 |
| Max Rate | -1% |
|---|
Source: Osceola County assessment roll, as of October 10, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Osceola County |
| Municipality | Ocheyedan City |
| Unified School District | Sibley-Ocheyedan Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $974.00 Homeowner's exemption | $95,990 (+6.42%) Land $3,980 Building $92,010 | $95,990 (+6.42%) Land $3,980 Building $92,010 |
| 2024 | $974.00 (-3.56%) | ||
| 2023 | $90,200 Land $3,980 Building $86,220 | $90,200 Land $3,980 Building $86,220 | |
| 2022 | $1,010.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 4, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 82% 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 | OCHEYEDAN WATER WORKS serves 439 people · EPA ID IA7239086 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 211 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 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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