304 SW 4th St, Stuart, IA 50250 Property Records

Adair County property record for 304 SW 4th St, Stuart, IA 50250

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,088 sqft · built 1992
Lot Size	0.214 acres (9,310 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Mar 2026)
Tax Bill	$2,320 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-05-276-005`

Property Details

APN / Parcel Number

Primary APN	`04-05-276-005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	1,088 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,310 sqft (0.214 acres)
Lot Dimensions	66.5 ft deep x 66.5 ft wide
Garage Type	Attached
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	176 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	304 SW 4TH ST
City	STUART
State	IA
Zip	50250-2152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 37 O T
Legal Subdivision	THE ORIGINAL TOWN STUART
Legal Block	37
Legal Lot Number	1
Jurisdiction	ADAIR IA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1041
Census Tract	960100

Owner

304 SW 4th St is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	304 SW 4TH ST, STUART, IA 50250-2152
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Warranty Deed, Transfer · Conventional Mortgage MIDWEST FAMILY LENDING CORPORATION
Jun 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage EARLHAM SAVINGS BANK
Apr 8, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2026 · Amount on File
Deed Sale	Mar 17, 2026 · Amount on File
Prior Sale	Apr 8, 2019 · Amount on File
Deed Document Number	2026305
Prior Transfer Date	Apr 5, 2019
Prior Transfer Doc	0020190602
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR IA
Recording Date	Mar 17, 2026
Property Address	304 SW 4TH ST, STUART, IA 50250-2152
Document Number	0020260305
Instrument Date	Mar 6, 2026
Instrument	2026-0305
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$263.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 NE 2ND ST, STUART, IA 50250-7700
Investor	Possibly a Property Investor

Mortgage

Document Number	0020260306
Date	Mar 17, 2026
Instrument	2026-0306

Lender

Name	MIDWEST FAMILY LENDING CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR IA
Property Address	304 SW 4TH ST, STUART, IA 50250-2152
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020220941
Date	Jun 24, 2022
Instrument	2022-0941

Lender

Name	EARLHAM SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jun 13, 2062

Interest

Rate Type	Adjustable Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR IA
Recording Date	Apr 8, 2019
Property Address	304 SW 4TH ST, STUART, IA 50250-2152
Document Number	0020190602
Instrument Date	Apr 5, 2019
Instrument	2019-0602
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 S DIVISION ST APT 1, 1, STUART, IA 50250-1020

Mortgage

Document Number	0020190603
Date	Apr 8, 2019
Instrument	2019-0603

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 304 SW 4th St was $2,320, up 3.1% from the year before.

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	$2,320.00 (+3.11%)	$151,130 Land $20,350 Building $130,780	$151,130 Land $20,350 Building $130,780
2024	$2,250.00
2023		$134,110 (+32.23%) Land $18,650 Building $115,460	$134,110 Land $18,650 Building $115,460
2022	$1,970.00	$101,420 Land $11,870 Building $89,550
2021			$101,420 Land $11,870 Building $89,550

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

Flood

FEMA maps place 304 SW 4th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 304 SW 4th St is low, with 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 98% of the US · lower than 82% 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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