320 Opal Cir, Ames, IA 50010 Property Records

Story County property record for 320 Opal Cir, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 959 sqft · built 1978
Lot Size	0.181 acres (7,869 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Oct 2025)
Tax Bill	$3,504 (2025)
Deeds & Mortgages	Sep 2019 Refinance Aug 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-452-160`

Property Details

APN / Parcel Number

Primary APN	`09-14-452-160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	959 sqft Living Area
1st Floor Area	882 sqft
Basement Area	882 sqft
Finished Basement	364 sqft
Unfinished Basement	518 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Concrete
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,869 sqft (0.181 acres)
Lot Dimensions	129 ft deep x 61 ft wide
Garage Type	Attached
Garage Area	363 sqft
Parking Spaces	1 Parking Space
Deck Area	510 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	320 OPAL CIR
City	AMES
State	IA
Zip	50010-8437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	COUNTRY GABLES 4TH ADD LOT:16 AMES
Legal Range	24W
Legal Township	83N
Legal Section	14
Legal Subdivision	COUNTRY GABLES 4TH ADD
Legal Lot Number	16
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3014
Census Tract	1302

Owner

320 Opal Cir is owned and occupied by two individuals who bought it in October 2025.

Source: Story County records, as of September 1, 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	320 OPAL CIR, AMES, IA 50010-8437
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREATER IOWA CREDIT UNION
Aug 8, 2025	Deed of Trust, Mortgage · Line of Credit GREATER IOWA CU
Oct 27, 2025	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO
Feb 21, 2025	Quit Claim Deed, Transfer Quitclaim
Sep 22, 2023	Intrafamily Transfer, Transfer
Jul 20, 2005	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025 · Amount on File
Deed Sale	Oct 27, 2025 · Amount on File
Prior Sale	Apr 1, 2014 · Amount on File
Prior Transfer Date	Feb 19, 2025
Prior Transfer Doc	0202501175
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	320 OPAL CIR, AMES, IA 50010-8437
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201908867
Date	Sep 24, 2019
Instrument	2019-08867

Lender

Name	GREATER IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2029

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	320 OPAL CIR, AMES, IA 50010-8437
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 OPAL CIR, AMES, IA 50010-8437

Mortgage

Document Number	0202506336
Date	Aug 8, 2025
Instrument	2025-06336

Lender

Name	GREATER IOWA CU
Type	Credit Union
Address	AMES, IA 50010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 7, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Oct 27, 2025
Property Address	320 OPAL CIR, AMES, IA 50010-8437
Document Number	0202508936
Instrument Date	Oct 20, 2025
Instrument	2025-08936
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ATS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$431.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 OPAL CIR, AMES, IA 50010-8437

Mortgage

Document Number	0202508937
Date	Oct 27, 2025
Instrument	2025-08937

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

February 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STORY IA
Recording Date	Feb 21, 2025
Property Address	320 OPAL CIR, AMES, IA 50010-8437
Document Number	0202501175
Instrument Date	Feb 19, 2025
Instrument	2025-01175
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 OPAL CIR, AMES, IA 50010-8437

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 OPAL CIR, AMES, IA 50010-8437

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STORY IA
Recording Date	Sep 22, 2023
Property Address	320 OPAL CIR, AMES, IA 50010-8437
Document Number	0202306744
Instrument Date	Sep 19, 2023
Instrument	2023-06744
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 OPAL CIR, AMES, IA 50010-8437

July 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Jul 20, 2005
Property Address	320 OPAL CIR, AMES, IA 50010-8437
Document Number	200500008600
Instrument Date	Jul 14, 2005
Instrument	2005-00008600
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 OPAL CIR, AMES, IA 50010-8437

Mortgage

Document Number	200500008601
Date	Jul 20, 2005
Instrument	2005-00008601

Lender

Name	CENTRAL BANK
Type	Bank
Address	STORM LAKE, IA 50588

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 320 Opal Cir was $3,504 with a homeowner's exemption, up 9.9% from the year before.

Source: Story County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Ames City
County	Story County
Unified School District	Ames Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,504.00 (+9.91%) Homeowner's exemption	$265,700 Land $51,100 Building $214,600	$265,700 Land $51,100 Building $214,600
2024	$3,188.00
2023		$230,000 Land $41,300 Building $188,700	$230,000 Land $41,300 Building $188,700
2022	$2,632.00

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

Flood

FEMA maps place 320 Opal Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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 Opal Cir 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 99.1% of the US · lower than 91% 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	AMES WATER TREATMENT PLANT serves 55,177 people · EPA ID IA8503039
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: ICS Advanced Technologies.

Cell Coverage

5G (outdoors only) and 4G LTE

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