1003 Harding Ave, Ames, IA 50010 Property Records

Story County property record for 1003 Harding Ave, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,428 sqft · built 1933
Lot Size	0.14 acres (6,120 sqft)
Owner	Individual Name on File
Tax Bill	$3,022 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-03-233-130`

Property Details

APN / Parcel Number

Primary APN	`09-03-233-130`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,428 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1933
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	6,120 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 51 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	151 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1003 HARDING AVE
City	AMES
State	IA
Zip	50010-5854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UCRM
Legal Description	BAIRD'S ADD BLOCK:6 LOT:13 AMES
Legal Range	24W
Legal Township	83N
Legal Section	03
Legal Subdivision	BAIRD'S ADD
Legal Block	6
Legal Lot Number	13
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1023
Census Tract	900

Owner

1003 Harding Ave is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1003 HARDING AVE, AMES, IA 50010-5854
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
Apr 18, 2017	Deed of Trust, Mortgage · Line of Credit GREATER IOWA CU
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage RIVER VALLEY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	1003 HARDING AVE, AMES, IA 50010-5854
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700003450
Date	Apr 18, 2017
Instrument	2017-00003450

Lender

Name	GREATER IOWA CU
Type	Credit Union
Address	AMES, IA 50010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 17, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	1003 HARDING AVE, AMES, IA 50010-5854
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202015571
Date	Dec 28, 2020
Instrument	2020-15571

Lender

Name	RIVER VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	192 Months
Due	Jan 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1003 Harding Ave was $3,022 with a homeowner's exemption, up 22% from the year before.

Source: Story County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,022.00 (+21.95%) Homeowner's exemption	$245,200 Land $39,800 Building $205,400	$245,200 Land $39,800 Building $205,400
2024	$2,478.00
2023		$194,700 Land $38,500 Building $156,200	$194,700 Land $38,500 Building $156,200
2022	$2,442.00

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

Flood

FEMA maps place 1003 Harding Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

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 1003 Harding Ave is low, with less than 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	AMES WATER TREATMENT PLANT serves 55,177 people · EPA ID IA8503039
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 565 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, ICS Advanced Technologies.

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