109 Cherry Ave, Ames, IA 50010 Property Records

Story County property record for 109 Cherry Ave, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,187 sqft · built 1930
Lot Size	0.196 acres (8,520 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Oct 2023)
Tax Bill	$2,578 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2018 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`09-11-225-090`

Property Details

APN / Parcel Number

Primary APN	`09-11-225-090`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,187 sqft Living Area
1st Floor Area	698 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,520 sqft (0.196 acres)
Lot Dimensions	142 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	109 CHERRY AVE
City	AMES
State	IA
Zip	50010-6630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HOC
Legal Description	WEARTHS ADD BLOCK:2 LOT:5 AMES
Legal Range	24W
Legal Township	83N
Legal Section	11
Legal Subdivision	WEARTH'S ADD
Legal Block	2
Legal Lot Number	5
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2007
Census Tract	1000

Owner

Source: Story County records, as of September 1, 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	109 CHERRY AVE, AMES, IA 50010-6630
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Aug 27, 2018	Deed of Trust, Mortgage PREMIER LENDING INC
Oct 24, 2023	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Apr 28, 2021	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING INC
Sep 14, 2017	Warranty Deed, Transfer · Construction Mortgage SOUTH STORY BANK & TRUST
Sep 1, 2017	Warranty Deed, Transfer
Sep 1, 2017	Warranty Deed, Transfer
Sep 1, 2017	Warranty Deed, Transfer
Sep 1, 2017	Warranty Deed, Transfer
Feb 24, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2023 · Amount on Record
Deed Sale	Oct 24, 2023 · Amount on Record
Prior Sale	Apr 28, 2021 · Amount on Record
Deed Document Number	20237533
Last Transfer Date	Feb 8, 2025
Transfer Doc	0202500907
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Recording Date	Jun 22, 2026
Property Address	109 CHERRY AVE, AMES, IA 50010-6630
Document Number	0000005410
Instrument Date	May 26, 2026
Instrument	20265410
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CHERRY AVE, AMES, IA 50010-6630

Mortgage

Document Number	0000005410,
Date	Jun 22, 2026
Instrument	20265410

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jun 1, 2066

Interest

Rate	6.3%
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	109 CHERRY AVE, AMES, IA 50010-6630
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201807986
Date	Aug 27, 2018
Instrument	2018-07986

Lender

Name	PREMIER LENDING INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Oct 24, 2023
Property Address	109 CHERRY AVE, AMES, IA 50010-6630
Document Number	0202307533
Instrument Date	Oct 11, 2023
Instrument	2023-07533
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 CHERRY AVE, AMES, IA 50010-6630

Mortgage

Document Number	0202307534
Date	Oct 24, 2023
Instrument	2023-07534

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Apr 28, 2021
Property Address	109 CHERRY AVE, AMES, IA 50010-6630
Document Number	0202105272
Instrument Date	Apr 27, 2021
Instrument	2021-05272
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CHERRY AVE, AMES, IA 50010-6630

Mortgage

Document Number	0202105273
Date	Apr 28, 2021
Instrument	2021-05273

Lender

Name	STEARNS LENDING INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Sep 14, 2017
Property Address	109 CHERRY AVE, AMES, IA 50010-6630
Document Number	201700009434
Instrument Date	Sep 1, 2017
Instrument	2017-00009434
Transaction Type	Transfer
Record Updated	Mar 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2412 ATHLONE CT, AMES, IA 50010-9662

Mortgage

Document Number	201700009435
Date	Sep 14, 2017
Instrument	2017-00009435

Lender

Name	SOUTH STORY BANK & TRUST
Type	Bank
Address	HUXLEY, IA 50124

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 1, 2018

Interest

Rate Type	Adjustable Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Sep 1, 2017
Property Address	109 CHERRY AVE, AMES, IA 50010-6630
Document Number	201700008969
Instrument Date	Jun 7, 2017
Instrument	2017-00008969
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E LINCOLN WAY, AMES, IA 50010-6666

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Sep 1, 2017
Property Address	109 CHERRY AVE, AMES, IA 50010-6630
Document Number	201700008966
Instrument Date	May 31, 2017
Instrument	2017-00008966
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E LINCOLN WAY, AMES, IA 50010-6666

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Sep 1, 2017
Property Address	109 CHERRY AVE, AMES, IA 50010-6630
Document Number	201700008968
Instrument Date	May 24, 2017
Instrument	2017-00008968
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E LICOLN WAY, AMES, IA 50010-6666

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Sep 1, 2017
Property Address	109 CHERRY AVE, AMES, IA 50010-6630
Document Number	201700008967
Instrument Date	May 23, 2017
Instrument	2017-00008967
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E LINCOLN WAY, AMES, IA 50010-6666

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STORY IA
Recording Date	Feb 24, 2017
Property Address	109 CHERRY AVE, AMES, IA 50010-6630
Document Number	201700001665
Instrument Date	Feb 24, 2017
Instrument	2017-00001665
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 WESTWOOD DR, NEVADA, IA 50201-2247
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$2,578.00 (+49.02%)	$187,400 (+57.08%) Land $55,400 Building $132,000	$187,400 (+57.08%) Land $55,400 Building $132,000
2024	$1,730.00 (+3.59%)
2023		$119,300 Land $24,800 Building $94,500	$119,300 Land $24,800 Building $94,500
2022	$1,670.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	107 (1990–2010)
Claims Outside the SFHA	27 of 107
Most Recent Claim	Aug 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2010 · 29 claims Severe Storms, And Flooding, Jun 1996 · 21 claims Severe Storms & Flooding, Aug 1993 · 39 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% 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 291 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
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, ICS Advanced Technologies, T-Mobile.

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