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Single Family ResidenceResidential
$109,459$66 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

320 STATE ST

OSAGE, IA 50461
3
Beds
3 / 1
Baths
1,648 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$109K
$95K low$124K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$40,759
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$32,607
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.56%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$53,700
CENT CU · recorded May 20, 2021
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$15,000
CENT CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,460 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$157,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,370
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$144,030
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$157,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$157,400

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.31
28
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
7
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
53
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
7
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.4 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMitchell
Lot (acres)The size of the land the home sits on, from county records.0.30
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Stone (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 128 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lincoln Elementary SchoolB+
Elementary · Grades PK–4 · 0.3 mi
H
Osage High SchoolA-
High · Grades 9–12 · 0.5 mi
M
Osage Middle SchoolB-
Middle · Grades 5–8 · 0.5 mi

District: Osage Community School District

Neighborhood · ZIP 50461These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.7

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.5,704
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.32 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,718
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,669
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.34 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

320 State St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 83% of homes in Osage 50461
  • Costs less per square foot than 91% of homes in Osage 50461
  • Older than 70% of homes in Osage 50461

What homes are worth in Osage 50461

Each bar is how many homes fall in that price range. The marker is this home.

This home
$58K$679K

This home is worth more than 17% of homes in Osage 50461.

How it measures up in Osage 50461

The dot is this home. The mark in the middle is the typical home in Osage 50461.

Estimated value$109,459
CheaperTypical $185,467Pricier

Pricier than 17% of homes nearby

Price per ft²$66
CheaperTypical $132Pricier

Pricier than 9% of homes nearby

Living area1,648 ft²
SmallerTypical 1,504 ft²Bigger

Bigger than 59% of homes nearby

Lot size0.3 ac
SmallerTypical 0.3 acBigger

Bigger than 51% of homes nearby

Year built1900
OlderTypical 1953Newer

Newer than 30% of homes nearby

How 320 State St ranks against every home in each area.
MeasureThis homeOsage 50461Mitchell County
Estimated valuepricier than$109,45917% of homes19% of homes
Price per ft²pricier than$669% of homes12% of homes
Living areabigger than1,648 ft²59% of homes58% of homes
Lot sizebigger than0.3 ac51% of homes41% of homes
Year builtnewer than190030% of homes33% of homes

About 320 State St

How much is 320 State St, Osage, IA worth?

The TopHap Estimate for 320 State St, Osage, IA is $109,459 as of Jul 14, 2026. The likely range is $95,392 to $123,526. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 320 State St, Osage, IA?

320 State St, Osage, IA has 3 bedrooms, 3 bathrooms, 1,648 square feet of living space and a 0.30-acre lot.

When was 320 State St, Osage, IA built?

320 State St, Osage, IA was built in 1900, making it 126 years old. The building has 2 stories.

What schools serve 320 State St, Osage, IA?

320 State St, Osage, IA is assigned to Lincoln Elementary School (elementary), rated B+; Osage High School (high), rated A-; Osage Middle School (middle), rated B-. All sit in Osage Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 320 State St, Osage, IA compare to other homes in Osage 50461?

Among the 2,505 homes in Osage 50461, it is worth more than 17% of them ($109,459 against a typical $185,467), its price per square foot is higher than 9% of them ($66 against a typical $132), it is bigger than 59% of them (1,648 ft² against a typical 1,504 ft²), its lot is bigger than 51% of them (0.3 ac against a typical 0.3 ac) and it is newer than 30% of them (1900 against a typical 1953). Measured against all of Mitchell County, it is worth more than 19% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 320 State St, Osage, IA?

The 2024 property tax bill for 320 State St, Osage, IA was $2,460. The county assessed it at $157,400.

Closest homes

More homes in Osage 50461

Assigned schools

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