304 S Division St, Stuart, IA 50250 Property Records

Adair County property record for 304 S Division St, Stuart, IA 50250

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,405 sqft · built 1947
Lot Size	0.289 acres (12,600 sqft)
Owner	Individual Name on Record
Last Sale	$142,000 (May 2019)
Tax Bill	$3,930 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-05-233-005`

Property Details

APN / Parcel Number

Primary APN	`04-05-233-005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,405 sqft Living Area
1st Floor Area	969 sqft
Attic	Attic
Attic Area	436 sqft
Basement Area	969 sqft
Unfinished Basement	969 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,600 sqft (0.289 acres)
Lot Dimensions	140 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	297 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	18 sqft
Deck Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	304 S DIVISION ST
City	STUART
State	IA
Zip	50250-2071
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1,2,3 & 4 BLK 29 O T
Legal Subdivision	ORIGINAL TOWN OF STUART
Legal Block	29
Legal Lot Number	1-4
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	Individual Name on Record
Mailing Address	304 S DIVISION ST, STUART, IA 50250-2071
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
May 13, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage GERSHMAN MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2019 · Amount on Record
Deed Sale	May 13, 2019 · Amount on Record
Prior Sale	Apr 28, 2006 · Amount on Record
Deed Document Number	2019759
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR IA
Property Address	304 S DIVISION ST, STUART, IA 50250-2071
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020210141
Date	Jan 29, 2021
Instrument	2021-0141

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR IA
Recording Date	May 13, 2019
Property Address	304 S DIVISION ST, STUART, IA 50250-2071
Document Number	20190759
Instrument Date	May 8, 2019
Instrument	2019-0759
Transaction Type	Transfer
Record Updated	Jun 25, 2021

Transaction

Amount	Amount Recorded
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
Address	304 S DIVISION ST, STUART, IA 50250-2071

Mortgage

Document Number	0020190760
Date	May 13, 2019
Instrument	2019-0760

Lender

Name	GERSHMAN MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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	$3,930.00 (+3.42%)	$256,050 (+13.03%) Land $27,540 Building $228,510	$256,050 (+13.03%) Land $27,540 Building $228,510
2024	$3,800.00 (+27.09%)
2023		$226,540 (+47.15%) Land $25,250 Building $201,290	$226,540 (+47.15%) Land $25,250 Building $201,290
2022	$2,990.00	$153,950 Land $16,070 Building $137,880
2021			$153,950 Land $16,070 Building $137,880

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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