204 SW 3rd St, Stuart, IA 50250 Property Records

Adair County property record for 204 SW 3rd St, Stuart, IA 50250

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,667 sqft · built 1966
Lot Size	0.868 acres (37,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Jul 2018)
Tax Bill	$3,838 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-05-232-005`

Property Details

APN / Parcel Number

Primary APN	`04-05-232-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,667 sqft Living Area
1st Floor Area	1,427 sqft
Basement Area	1,427 sqft
Finished Basement	1,070 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	37,800 sqft (0.868 acres)
Lot Dimensions	140 ft deep x 270 ft wide
Garage Type	Mixed
Garage Area	2,172 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	45 sqft
Deck Area	112 sqft
Lean-To	Lean-To

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	204 SW 3RD ST
City	STUART
State	IA
Zip	50250-2113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 THRU 12 BLK 28 O T
Legal Block	28
Legal Lot Number	1-12
Jurisdiction	ADAIR IA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1021
Census Tract	960100

Owner

Source: Adair 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	PO BOX 237, STUART, IA 50250-0237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2017	Deed of Trust, Mortgage · Commercial Mortgage EARLHAM SAVINGS BANK
Jul 10, 2018	Warranty Deed, Transfer GERSHMAN INVESTMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2018 · Amount on Record
Deed Sale	Jul 10, 2018 · Amount on Record
Deed Document Number	20181241
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR IA
Property Address	204 SW 3RD ST, STUART, IA 50250-2113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0746/221
Date	Jan 6, 2017
Book Page	0746/221
Instrument	2017-0015

Lender

Name	EARLHAM SAVINGS BANK
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR IA
Recording Date	Jul 10, 2018
Property Address	204 SW 3RD ST, STUART, IA 50250-2113
Document Number	20181241
Instrument Date	Jul 2, 2018
Instrument	2018-1241
Transaction Type	Transfer
Record Updated	Sep 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	204 SW 3RD ST, STUART, IA 50250-2113

Mortgage

Document Number	20181242
Date	Jul 10, 2018
Instrument	2018-1242

Lender

Name	GERSHMAN INVESTMENT
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Adair County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Adair County
Municipality	Stuart City
Unified School District	West Central Valley Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,838.00 (-5.33%) Homeowner's exemption	$260,840 (+3.52%) Land $55,080 Building $205,760	$260,840 (+3.52%) Land $55,080 Building $205,760
2024	$4,054.00 (+9.27%)
2023		$251,970 (+26.05%) Land $41,310 Building $210,660	$251,970 (+26.05%) Land $41,310 Building $210,660
2022	$3,710.00 Homeowner's exemption	$199,890 Land $41,310 Building $158,580
2021			$199,890 Land $41,310 Building $158,580

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 April 4, 2017

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.

Wildfire

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

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	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	STUART WATER SUPPLY serves 1,814 people · EPA ID IA0180001
Water Source	Purchased surface water from XENIA RWD (DES MOINES)
Last State Inspection	Jan 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Nextlink, Verizon.

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