302 Opal Cir, Ames, IA 50010 Property Records

Story County property record for 302 Opal Cir, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,080 sqft · built 1983
Lot Size	0.211 acres (9,187 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Apr 2025)
Tax Bill	$3,318 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Dec 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-14-452-190`

Property Details

APN / Parcel Number

Primary APN	`09-14-452-190`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Finished Basement	336 sqft
Unfinished Basement	744 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,187 sqft (0.211 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	302 OPAL CIR
City	AMES
State	IA
Zip	50010-8437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	COUNTRY GABLES 4TH ADD LOT:19 AMES
Legal Range	24W
Legal Township	83N
Legal Section	14
Legal Subdivision	COUNTRY GABLES 4TH ADD
Legal Lot Number	19
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3014
Census Tract	1302

Owner

302 Opal Cir is owned and occupied by an individual who bought it in April 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	302 OPAL CIR, AMES, IA 50010-8437
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2025	Warranty Deed, Transfer · Conventional Mortgage GREATER IOWA CU
Dec 13, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2025 · Amount on File
Deed Sale	Apr 23, 2025 · Amount on File
Prior Sale	Dec 13, 2017 · Amount on File
Deed Document Number	20252816
Prior Transfer Date	Nov 26, 2018
Prior Transfer Doc	0000010655
Record Updated	Oct 29, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Apr 23, 2025
Property Address	302 OPAL CIR, AMES, IA 50010-8437
Document Number	0202502816
Instrument Date	Apr 18, 2025
Instrument	2025-02816
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$423.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 OPAL CIR, AMES, IA 50010-8437

Mortgage

Document Number	0202502818
Date	Apr 23, 2025
Instrument	2025-02818

Lender

Name	GREATER IOWA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STORY IA
Recording Date	Dec 13, 2017
Property Address	302 OPAL CIR, AMES, IA 50010-8437
Document Number	201700012524
Instrument Date	Nov 17, 2017
Instrument	2017-00012524
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	302 OPAL CIR, AMES, IA 50010-8437

Tax Assessment & Valuation

The 2025 property tax bill for 302 Opal Cir was $3,318 with a homeowner's exemption, up 21.1% 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	$3,318.00 (+21.09%) Homeowner's exemption	$252,200 Land $59,700 Building $192,500	$252,200 Land $59,700 Building $192,500
2024	$2,740.00
2023		$207,600 Land $44,400 Building $163,200	$207,600 Land $44,400 Building $163,200
2022	$2,778.00

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

Flood

FEMA maps place 302 Opal Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	4 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

Wildfire risk around 302 Opal Cir 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 99.1% 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 164 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

May also be available: ICS Advanced Technologies.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Opal Cir

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