232 Main St, Ames, IA 50010 Property Records

Story County property record for 232 Main St, Ames, IA 50010 · Last verified August 2026

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	12,750 sqft · built 1885
Lot Size	0.172 acres (7,495 sqft)
Owner	Company Name on File
Last Sale	$718,000 (Apr 2024)
Tax Bill	$17,798 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Feb 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-02-381-290`

Property Details

APN / Parcel Number

Primary APN	`09-02-381-290`

Interior

Units	3 Units
Stories	2 Stories
Building Area	12,750 sqft Gross Area
1st Floor Area	6,375 sqft
Basement Area	6,375 sqft

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1990
Exterior Material	Brick
Lot Area	7,495 sqft (0.172 acres)

Location & Zoning

Street Address	232 MAIN ST
City	AMES
State	IA
Zip	50010-6298
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	O T LOT 12 & E1/2 LOT 13 & E4" W1/2 LOT13 BLK 13
Legal Range	24W
Legal Township	83N
Legal Section	02
Legal Subdivision	ORIGINAL TOWN (AMES)
Legal Block	13
Legal Lot Number	12,13
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4030
Census Tract	900

Owner

Source: Story County records · APN 09-02-381-290

Assessment roll updated September 30, 2025 · Last verified August 2026

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 1611, AMES, IA 50010-1611
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 05, 2017	Deed of Trust, Mortgage · Commercial Mortgage GREATER IOWA CU
Feb 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK
Aug 22, 2022	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL STATE BANK
Aug 26, 2022	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL STATE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 10, 2024 · Amount on Record
Deed Sale	Apr 10, 2024 · Amount on Record
Deed Document Number	20242182
Prior Transfer Date	Apr 08, 2024
Prior Transfer Doc	0000004206
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	232 MAIN ST, AMES, IA 50010-6298
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700006666
Date	Jul 05, 2017
Instrument	2017-00006666

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	232 MAIN ST, AMES, IA 50010-6298
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201900982
Date	Feb 12, 2019
Instrument	2019-00982

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	232 MAIN ST, AMES, IA 50010-6298
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202208440
Date	Aug 22, 2022
Instrument	2022-08440

Lender

Name	CENTRAL STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2052

Interest

Rate Type	Fixed Rate

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	232 MAIN ST, AMES, IA 50010-6298
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202208638
Date	Aug 26, 2022
Instrument	2022-08638

Lender

Name	CENTRAL STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Story County records · Assessment roll updated September 30, 2025 · Last verified August 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,798.00	$858,700 (+19.66%) Land $191,900 Building $666,800	$858,700 (+19.66%) Land $191,900 Building $666,800
2024	$17,798.00 (-7.05%)
2023		$717,600 (-4.32%) Land $197,300 Building $520,300	$717,600 (-4.32%) Land $197,300 Building $520,300
2022	$19,148.00 (+3.83%)	$750,000 Land $197,300 Building $552,700
2021	$18,442.00		$750,000 Land $197,300 Building $552,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Story County (19169C), updated May 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 191690009004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	6 (1990–2010)
Most Recent Claim	Aug 2010, rainfall accumulation, Severe Storms, Flooding, And Tornadoes
Claims By Storm	Severe Storms & Flooding, Jul 1993 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Ames Main Street Historic District listed 2018 · 66 contributing resources · NRIS 100002399

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 291 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: T-Mobile USA, Mediacom Communications, ICS Advanced Technologies, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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