2851 E 190th St, Ames, IA 50010 Property Records

Story County property record for 2851 E 190th St, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,707 sqft · built 1956
Lot Size	2.68 acres (116,741 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Mar 2022)
Tax Bill	$7,244 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-400-365`

Property Details

APN / Parcel Number

Primary APN	`06-18-400-365`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,707 sqft Living Area
1st Floor Area	1,707 sqft
Basement Area	1,707 sqft
Finished Basement	644 sqft
Unfinished Basement	1,063 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	A-Frame
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	116,741 sqft (2.68 acres)
Garage Type	Mixed
Garage Area	671 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	82 sqft
Deck Area	304 sqft
Patio Area	234 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2851 E 190TH ST
City	AMES
State	IA
Zip	50010-9443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1, AGRIC
Legal Description	SECTION:18 TOWNSHIP:84 RANGE:23 SW SE & SE SW PARCEL A CFN 10-136
Legal Range	23W
Legal Township	84N
Legal Section	18
Legal Subdivision	88818
Jurisdiction	STORY IA
Township / Civil Division	MILFORD
Census Block Group	1
Census Block	1029
Census Tract	101

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	2851 E 190TH ST, AMES, IA 50010-9443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Mar 14, 2022	Warranty Deed, Transfer · Conventional Mortgage AVAILA BANK
Jul 14, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2022 · Amount on Record
Deed Sale	Mar 14, 2022 · Amount on Record
Prior Sale	Jun 2, 2021 · Amount on Record
Deed Document Number	20222311
Prior Transfer Date	Jun 29, 2017
Prior Transfer Doc	0000007035
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	2851 E 190TH ST, AMES, IA 50010-9443
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202113498
Date	Oct 22, 2021
Instrument	2021-13498

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Mar 14, 2022
Property Address	2851 E 190TH ST, AMES, IA 50010-9443
Document Number	0202202311
Map Reference	BK 10 PG 136
Instrument Date	Mar 7, 2022
Instrument	2022-02311
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$943.20
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
Address	2851 E 190TH ST, AMES, IA 50010-9443

Mortgage

Document Number	0202202312
Date	Mar 14, 2022
Instrument	2022-02312

Lender

Name	AVAILA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 15, 2047

Interest

Rate Type	Fixed Rate

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STORY IA
Recording Date	Jul 14, 2017
Property Address	2851 E 190TH ST, AMES, IA 50010-9443
Document Number	201700007035
Instrument Date	Jun 29, 2017
Instrument	2017-00007035
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 WHEELER ST # 110-41, 110-41, AMES, IA 50010

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Iowa
County	Story County
Unified School District	Nevada Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,244.00 (+2.06%)	$652,400 (+6.36%) Land $193,800 Building $458,600	$652,400 (+6.36%) Land $193,800 Building $458,600
2024	$7,098.00 (+6.9%)
2023		$613,400 Land $174,000 Building $439,400	$613,400 Land $174,000 Building $439,400
2022	$6,640.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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 98% of the US · lower than 82% 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	XENIA RWD (BOONE) private · serves 4,975 people · EPA ID IA0844006
Water Source	Purchased groundwater influenced by surface water from several systems
Last State Inspection	Sep 2024
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 500
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	100 / 10
Rise Broadband Fixed Wireless	25 / 5
AT&T Fixed Wireless	25 / 3

May also be available: Colo Telephone Company, T-Mobile.

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