Guthrie County property record for 3061 285th St, Stuart, IA 50250
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,556 sqft · built 2024 |
| Lot Size | 4.4 acres (191,664 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $432,000 (Nov 2024) |
| Tax Bill | $78 (2025) |
| Deeds & Mortgages | Oct 2024 Line of Credit Jun 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0000540501 |
| Primary APN | 0000540501 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,556 sqft Living Area |
| Basement Area | 1,556 sqft |
| Unfinished Basement | 1,556 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 191,664 sqft (4.4 acres) |
| Garage Type | Attached |
| Garage Area | 722 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 36 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3061 285TH ST |
|---|---|
| City | STUART |
| State | IA |
| Zip | 50250-8513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 06 78 30 PAR A OF GOVT LOT 2 & PAR B OF LOT 1 OF GOVT LOT 7 |
| Legal Range | 30W |
| Legal Township | 78N |
| Legal Section | 06 |
| Legal Lot Number | 1-2,7 |
| Jurisdiction | GUTHRIE IA |
| Township / Civil Division | JACKSON |
| Census Block Group | 1 |
| Census Block | 1080 |
| Census Tract | 950300 |
Source: Guthrie County records, as of December 23, 2025
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 | 3061 285TH ST, STUART, IA 50250-8513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 11, 2024 | Deed of Trust, Mortgage · Line of Credit WEST BANK |
| Jun 25, 2025 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Nov 25, 2024 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2024 · Amount on Record |
| Deed Sale | Nov 25, 2024 · Amount on Record |
| Deed Document Number | 20242667 |
| Prior Transfer Date | Sep 6, 2024 |
| Prior Transfer Doc | 0000002282 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Property Address | 3061 285TH ST, STUART, IA 50250-8513 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 750 SE ALICES RD, WAUKEE, IA 50263-9646 |
| Document Number | 0020242283 |
|---|---|
| Date | Oct 11, 2024 |
| Instrument | 2024-2283 |
| Name | WEST BANK |
|---|---|
| Type | Bank |
| Address | WEST DES MOINES, IA 50266 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 8, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Property Address | 3061 285TH ST, STUART, IA 50250-8513 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3964 285TH ST, STUART, IA 50250 |
| Document Number | 0020251372 |
|---|---|
| Date | Jun 25, 2025 |
| Instrument | 2025-1372 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 24, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Recording Date | Nov 25, 2024 |
| Property Address | 3061 285TH ST, STUART, IA 50250-8513 |
| Document Number | 0020242667 |
| Instrument Date | Nov 19, 2024 |
| Instrument | 2024-2667 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $690.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3061 285TH ST, STUART, IA 50250-8513 |
| Document Number | 0020242668 |
|---|---|
| Date | Nov 25, 2024 |
| Instrument | 2024-2668 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Max Rate | 11.7% |
Source: Guthrie County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Guthrie County |
| Unified School District | West Central Valley Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $78.00 | $381,000 Land $90,600 Building $290,400 | $381,000 Land $90,600 Building $290,400 |
| 2024 | $78.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 4, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 3 (2008–2019) |
| Most Recent Claim | May 2019 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 79% of Iowa |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | XENIA RWD (DES MOINES) private · serves 12,860 people · EPA ID IA2573701 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2023 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Coon Valley Co-op Telephone Association Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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