323 N Division St, Stuart, IA 50250 Property Records

Guthrie County property record for 323 N Division St, Stuart, IA 50250

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 2,940 sqft · built 2004
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Oct 2025)
Tax Bill	$1,066 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2025 Sale & Mortgage
APN	`0001345500`

Property Details

APN / Parcel Number

Primary APN	`0001345500`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	15 Rooms
Stories	1 Story
Building Area	2,940 sqft Living Area
1st Floor Area	2,352 sqft
Attic	Attic
Attic Area	588 sqft
Basement Area	2,352 sqft
Finished Basement	2,100 sqft
Unfinished Basement	2,352 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
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	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	176 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	323 N DIVISION ST
City	STUART
State	IA
Zip	50250-2080
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	04 LOT 12 BLK 04
Legal Subdivision	ORIGINAL TOWN OF STUART
Legal Block	4
Legal Lot Number	12
Jurisdiction	GUTHRIE IA
Township / Civil Division	STUART
Census Block Group	2
Census Block	2078
Census Tract	950300

Owner

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

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	323 N DIVISION ST, STUART, IA 50250-2080
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK
Oct 8, 2025	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY CHOICE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2025 · Amount on Record
Deed Sale	Oct 8, 2025 · Amount on Record
Deed Document Number	20252361
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUTHRIE IA
Property Address	323 N DIVISION ST, STUART, IA 50250-2080
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020222904
Date	Oct 19, 2022
Instrument	2022-2904

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 14, 2062

Interest

Rate Type	Adjustable Rate

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUTHRIE IA
Recording Date	Oct 8, 2025
Property Address	323 N DIVISION ST, STUART, IA 50250-2080
Document Number	0020252361
Instrument Date	Oct 2, 2025
Instrument	2025-2361
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
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	323 N DIVISION ST, STUART, IA 50250-2080

Mortgage

Document Number	0020252362
Date	Oct 8, 2025
Instrument	2025-2362

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	JOHNSTON, IA 50131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

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		$78,700 (-) Land $13,800 Building $64,900	$78,700 (-) Land $13,800 Building $64,900
2025	$1,066.00 (-14.03%) Homeowner's exemption	$78,700 (-4.95%) Land $13,800 Building $64,900	$78,700 (-4.95%) Land $13,800 Building $64,900
2024	$1,240.00 (+14.39%)
2023		$82,800 (+27.98%) Land $10,700 Building $72,100	$82,800 (+27.98%) Land $10,700 Building $72,100
2022	$1,084.00 Homeowner's exemption	$64,700 Land $10,700 Building $54,000
2021			$64,700 Land $10,700 Building $54,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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.

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