Adair County property record for 315 S Summit St, Stuart, IA 50250
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,680 sqft · built 2004 |
| Lot Size | 0.434 acres (18,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $119,875 (Mar 2016) |
| Tax Bill | $4,650 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Aug 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-05-207-003 |
| Primary APN | 04-05-207-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 1,680 sqft |
| Basement Area | 1,680 sqft |
| Finished Basement | 800 sqft |
| Unfinished Basement | 880 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,900 sqft (0.434 acres) |
| Lot Dimensions | 140 ft deep x 135 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 144 sqft |
| Patio Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 315 S SUMMIT ST |
|---|---|
| City | STUART |
| State | IA |
| Zip | 50250-2013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 9,10, & S.15' OF LOT 11 BLK 46 UNION |
| Legal Subdivision | UNION ADD |
| Legal Block | 46 |
| Legal Lot Number | 9-11 |
| Jurisdiction | ADAIR IA |
| Township / Civil Division | LINCOLN |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 960100 |
315 S Summit St is owned and occupied by two individuals who bought it in March 2016.
Source: Adair County records, as of September 9, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 315 S SUMMIT ST, STUART, IA 50250-2013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2026 | Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION |
| Aug 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION |
| Sep 25, 2023 | Deed of Trust, Mortgage · Conventional Mortgage EMPEOPLE CU |
| Feb 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage DEERE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2016 · Amount on File |
| Deed Sale | Mar 28, 2016 · Amount on File |
| Deed Document Number | 2016ES16-0111 |
| Deed Book / Page | 731 / 194 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAIR IA |
| Recording Date | Aug 12, 2026 |
| Property Address | 315 S SUMMIT ST, STUART, IA 50250-2013 |
| Document Number | 0000000892 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 2026892 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 315 S SUMMIT ST, STUART, IA 50250-2013 |
| Document Number | 0000000892, |
|---|---|
| Date | Aug 12, 2026 |
| Instrument | 2026892 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 25, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAIR IA |
| Recording Date | Aug 12, 2026 |
| Property Address | 315 S SUMMIT ST, STUART, IA 50250-2013 |
| Document Number | 0000000891 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 2026891 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 315 S SUMMIT ST, STUART, IA 50250-2013 |
| Document Number | 0000000891, |
|---|---|
| Date | Aug 12, 2026 |
| Instrument | 2026891 |
| Name | UNION CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAIR IA |
| Property Address | 315 S SUMMIT ST, STUART, IA 50250-2013 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 315 S SUMMIT ST, STUART, IA 50250-2013 |
| Document Number | 0020231113 |
|---|---|
| Date | Sep 25, 2023 |
| Instrument | 2023-1113 |
| Name | EMPEOPLE CU |
|---|---|
| Type | Credit Union |
| Address | MOLINE, IL 61265 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAIR IA |
| Property Address | 315 S SUMMIT ST, STUART, IA 50250-2013 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020220202 |
|---|---|
| Date | Feb 4, 2022 |
| Instrument | 2022-0202 |
| Name | DEERE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Feb 25, 2029 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 315 S Summit St was $4,650 with a homeowner's exemption, up 3.7% from the year before.
Source: Adair County assessment roll, as of October 10, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Adair County |
| Municipality | Stuart City |
| Unified School District | West Central Valley Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,650.00 (+3.7%) Homeowner's exemption | $313,800 Land $41,310 Building $272,490 | $313,800 Land $41,310 Building $272,490 |
| 2024 | $4,484.00 | ||
| 2023 | $277,540 (+37.57%) Land $37,870 Building $239,670 | $277,540 Land $37,870 Building $239,670 | |
| 2022 | $3,918.00 | $201,740 Land $24,100 Building $177,640 | |
| 2021 | $201,740 Land $24,100 Building $177,640 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 S Summit 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 risk around 315 S Summit St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 71% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, Coon Valley Co-op Telephone Association, Nextlink, Verizon.
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