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787 Spruce St, Ocheyedan, IA 51354 Property Records

Osceola County property record for 787 Spruce St, Ocheyedan, IA 51354

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,176 sqft · built 1940
Lot Size0.161 acres (7,000 sqft)
OwnerIndividual Name on File
Last Sale$95,000 (Jan 2024)
Tax Bill$1,128 (2025)
Deeds & MortgagesJan 2024 Line of Credit
Jan 2024 Foreclosure
Flood ZoneZone X (minimal risk)
APN310090704000

Property Details

APN / Parcel Number

Primary APN310090704000
Alternative APN
  • 000000090704000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Half Baths2 Half Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,176 sqft Living Area
1st Floor Area1,176 sqft
Basement Area882 sqft
Unfinished Basement882 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Exterior MaterialVinyl
Construction TypeSteel Frame
Roof TypeHip
Roof MaterialAsphalt
Lot Area7,000 sqft (0.161 acres)
Lot Dimensions140 ft deep x 50 ft wide
Garage TypeMixed
Garage Area1,314 sqft
Parking Spaces5 Parking Spaces
PorchPorch
Porch Area40 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address787 SPRUCE ST
CityOCHEYEDAN
StateIA
Zip51354-7797
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 4 BLK 7 WARDRIPS 1ST ADD
Legal SubdivisionWARDRIPS 1ST
Legal Block7
Legal Lot Number4
JurisdictionOSCEOLA IA
Township / Civil DivisionOCHEYEDAN
Census Block Group4
Census Block4049
Census Tract460200

Owner

Source: Osceola County records · APN 310090704000

Assessment roll updated October 10, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address779 4TH ST, OCHEYEDAN, IA 51354-7719
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 04, 2024Deed of Trust, Mortgage · Line of Credit
UNITED COMMUNITY BANK
Jan 04, 2024Legal Action/Court Order, Foreclosure

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 04, 2024 · Amount on Record
Deed SaleJan 04, 2024 · Amount on Record
Deed Document Number202412
Deed Book / Page2024 / 12
Record UpdatedSep 20, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA IA
Property Address787 SPRUCE ST, OCHEYEDAN, IA 51354-7797
Transaction TypeMortgage
Record UpdatedApr 25, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address779 4TH ST, OCHEYEDAN, IA 51354-7719

Mortgage

Document Number0002024/13
DateJan 04, 2024
Book Page2024/13
Instrument20240013
Lender
NameUNITED COMMUNITY BANK
TypeBank
AddressOCHEYEDAN, IA 51354
Agreement
TypeLine of Credit
AmountAmount Recorded

January 2024: Legal Action/Court Order, Foreclosure

Document TypeLegal Action/Court Order
JurisdictionOSCEOLA IA
Recording DateJan 04, 2024
Property Address787 SPRUCE ST, OCHEYEDAN, IA 51354-7797
Document Number0002024/12
Book / Page2024 / 12
Instrument DateDec 21, 2023
Instrument20240012
Transaction TypeForeclosure
Record UpdatedApr 25, 2024

Transaction

AmountAmount Recorded
Tax$151.20
Amount AccuracyRounded by County

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address779 4TH ST, OCHEYEDAN, IA 51354-7719

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated October 10, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateIowa
CountyOsceola County
MunicipalityOcheyedan City
Unified School DistrictSibley-Ocheyedan Community School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,128.00$109,720 (+43.18%) Land $4,410 Building $105,310$109,720 (+43.18%) Land $4,410 Building $105,310
2024$1,128.00 (+27.6%)
2023$76,630 Land $4,410 Building $72,220$76,630 Land $4,410 Building $72,220
2022$884.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 4, 2021 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Uniti Group
Fiber · DSL in parts of the area		2,000 / 2,000
Mutual Telephone Company (IA)
Cable · Fiber in parts of the area		1,000 / 100
Verizon
Fixed Wireless		300 / 20
LTD Broadband
Fixed Wireless		150 / 130
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 211 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemOCHEYEDAN WATER WORKS
serves 439 people
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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