Osceola County property record for 786 Spruce St, Ocheyedan, IA 51354
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,985 sqft · built 1890 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,922 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Apr 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 310090809000 |
| Primary APN | 310090809000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,985 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Attic | Attic |
| Attic Area | 529 sqft |
| Basement Area | 1,176 sqft |
| Unfinished Basement | 1,176 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,000 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 420 sqft |
| Patio Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Street Address | 786 SPRUCE ST |
|---|---|
| City | OCHEYEDAN |
| State | IA |
| Zip | 51354-7797 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 9-10 BLK 8 WARDRIPS 1ST ADD |
| Legal Subdivision | WARDRIPS 1ST |
| Legal Block | 8 |
| Legal Lot Number | 9,10 |
| Jurisdiction | OSCEOLA IA |
| Township / Civil Division | OCHEYEDAN |
| Census Block Group | 4 |
| Census Block | 4053 |
| Census Tract | 460200 |
Source: Osceola County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 786 SPRUCE ST, OCHEYEDAN, IA 51354-7797 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERNATIONAL BANK |
| Apr 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance RELIABANK DAKOTA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA IA |
| Property Address | 786 SPRUCE ST, OCHEYEDAN, IA 51354-7797 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002021/859 |
|---|---|
| Date | Jun 11, 2021 |
| Book Page | 2021/859 |
| Instrument | 20210859 |
| Name | FIRST INTERNATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA IA |
| Property Address | 786 SPRUCE ST, OCHEYEDAN, IA 51354-7797 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2019/415 |
|---|---|
| Date | Apr 11, 2019 |
| Book Page | 2019/415 |
| Instrument | 20190415 |
| Name | RELIABANK DAKOTA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
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 | $1,922.00 Homeowner's exemption | $155,410 (+10.35%) Land $8,820 Building $146,590 | $155,410 (+10.35%) Land $8,820 Building $146,590 |
| 2024 | $1,922.00 (+5.72%) | ||
| 2023 | $140,840 Land $8,820 Building $132,020 | $140,840 Land $8,820 Building $132,020 | |
| 2022 | $1,818.00 |
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 99.8% of the US · lower than 98.1% 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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