320 N Main St, Stuart, IA 50250 Property Records

Guthrie County property record for 320 N Main St, Stuart, IA 50250

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,599 sqft · built 1900
Lot Size	0.193 acres (8,400 sqft)
Owner	Individual Name on File
Last Sale	$94,000 (Sep 2020)
Tax Bill	$1,822 (2025)
Deeds & Mortgages	Apr 2014 Mortgage Aug 2014 Line of Credit + 2 more
APN	`0001343900`

Property Details

APN / Parcel Number

Primary APN	`0001343900`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,599 sqft Living Area
1st Floor Area	616 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	138 sqft
Patio Area	230 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	320 N MAIN ST
City	STUART
State	IA
Zip	50250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	03 LOT 2 BLK 03
Legal Block	3
Legal Lot Number	2
Jurisdiction	GUTHRIE IA
Township / Civil Division	STUART
Census Block Group	2
Census Block	2080
Census Tract	950300

Owner

320 N Main St is owned and occupied by an individual who bought it in September 2020.

Source: Guthrie County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	320 N MAIN ST, STUART, IA 50250
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 4, 2014	Deed of Trust, Mortgage · Conventional Mortgage CITY STATE BANK
Aug 6, 2014	Deed of Trust, Mortgage · Line of Credit CITY STATE BANK
Mar 30, 2007	Deed of Trust, Mortgage LASALLE BANK NA
Sep 25, 2020	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY FIRST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2020 · Amount on File
Deed Sale	Sep 25, 2020 · Amount on File
Deed Document Number	20202790
Record Updated	Oct 29, 2026

April 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUTHRIE IA
Property Address	320 N MAIN ST, STUART, IA 50250
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02013/0732
Date	Apr 4, 2014
Book Page	2013/0732
Instrument	2014-0732

Lender

Name	CITY STATE BANK
Type	Bank
Address	GRIMES, IA 50111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUTHRIE IA
Property Address	320 N MAIN ST, STUART, IA 50250
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02014/1733
Date	Aug 6, 2014
Book Page	2014/1733
Instrument	2014-1733

Lender

Name	CITY STATE BANK
Type	Bank
Address	GRIMES, IA 50111

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUTHRIE IA
Property Address	320 N MAIN ST, STUART, IA 50250
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02007/0927
Date	Mar 30, 2007
Book Page	2007/0927
Instrument	2007-0927

Lender

Name	LASALLE BANK NA
Type	Bank
Address	CHICAGO, IL 60641

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 5, 2022

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUTHRIE IA
Recording Date	Sep 25, 2020
Property Address	320 N MAIN ST, STUART, IA 50250
Document Number	0020202790
Instrument Date	Sep 22, 2020
Instrument	2020-2790
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$149.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 N MAIN ST, STUART, IA 50250

Mortgage

Document Number	0020202791
Date	Sep 25, 2020
Instrument	2020-2791

Lender

Name	COMMUNITY FIRST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	3.38%
Max Rate At Change	5.38%
Index	1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 320 N Main St was $1,822, up 0.6% from the year before.

Source: Guthrie County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Guthrie 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
2026		$115,800 (-) Land $13,800 Building $102,000	$115,800 (-) Land $13,800 Building $102,000
2025	$1,822.00 (+0.55%)	$115,800 Land $13,800 Building $102,000	$115,800 Land $13,800 Building $102,000
2024	$1,812.00
2023		$106,000 (+20.59%) Land $12,200 Building $93,800	$106,000 Land $12,200 Building $93,800
2022	$1,708.00	$87,900 Land $12,200 Building $75,700
2021			$87,900 Land $12,200 Building $75,700

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

Flood

FEMA's flood maps do not cover 320 N Main St; there have been 1 flood claim nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective April 4, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1998)
Most Recent Claim	Jun 1998 · Severe Storms, Tornadoes And Flooding

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 320 N Main St 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 94% of the US · lower than 65% 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	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 189 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
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on N Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures