324 S Western St, Stuart, IA 50250 Property Records

Adair County property record for 324 S Western St, Stuart, IA 50250

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,470 sqft · built 1925
Lot Size	0.273 acres (11,880 sqft)
Owner	2 Individual Names on File
Last Sale	$54,000 (Jul 2011)
Tax Bill	$2,484 (2025)
Deeds & Mortgages	Aug 2005 Mortgage Jun 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-05-208-011`

Property Details

APN / Parcel Number

Primary APN	`04-05-208-011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,470 sqft Living Area
1st Floor Area	520 sqft
Attic	Attic
Attic Area	286 sqft
Basement Area	260 sqft
Unfinished Basement	260 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,880 sqft (0.273 acres)
Lot Dimensions	132 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	234 sqft
Deck Area	96 sqft
Patio Area	72 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	324 S WESTERN ST
City	STUART
State	IA
Zip	50250-2025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 LOT 5 & ALL LOT 6 BLK 53 UNION
Legal Subdivision	UNION ADD STUART
Legal Block	53
Legal Lot Number	5,6
Jurisdiction	ADAIR IA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1016
Census Tract	960100

Owner

324 S Western St is owned and occupied by two individuals who bought it in July 2011.

Source: Adair County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	324 S WESTERN ST, STUART, IA 50250-2025
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
Aug 4, 2005	Deed of Trust, Mortgage · Conventional Mortgage WEST BANK
Jun 27, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREATER IOWA CREDIT UNION
Feb 28, 2014	Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 11, 2020	Warranty Deed, Transfer · Conventional Mortgage IOWA BANKERS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2011 · Amount on File
Deed Sale	Jul 18, 2011 · Amount on File
Deed Document Number	2011838
Deed Book / Page	654 / 18
Record Updated	Oct 29, 2026

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR IA
Property Address	324 S WESTERN ST, STUART, IA 50250-2025
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000532/029
Date	Aug 4, 2005
Book Page	0532/029
Instrument	2005-1382

Lender

Name	WEST BANK
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 1, 2010

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR IA
Property Address	324 S WESTERN ST, STUART, IA 50250-2025
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 S WESTERN ST, STUART, IA 50250-2025

Mortgage

Document Number	0020250744
Date	Jun 27, 2025
Instrument	2025-0744

Lender

Name	GREATER IOWA CREDIT UNION
Type	Credit Union
Address	AMES, IA 50010

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 16, 2040

February 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR IA
Property Address	324 S WESTERN ST, STUART, IA 50250-2025
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	MULTIPLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000701/001
Date	Feb 28, 2014
Book Page	0701/001
Instrument	ES14-0044

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Amount	Amount on Record
Term	330 Months
Due	Aug 1, 2041

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR IA
Recording Date	Jun 11, 2020
Property Address	324 S WESTERN ST, STUART, IA 50250-2025
Document Number	0020200587
Instrument Date	May 29, 2020
Instrument	2020-0587
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	$143.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 S WESTERN ST, STUART, IA 50250-2025

Mortgage

Document Number	0020200588
Date	Jun 11, 2020
Instrument	2020-0588

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 324 S Western St was $2,484, up 3.2% from the year before.

Source: Adair County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Adair 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
2025	$2,484.00 (+3.16%)	$161,840 Land $27,000 Building $134,840	$161,840 Land $27,000 Building $134,840
2024	$2,408.00
2023		$143,520 (+34.13%) Land $24,750 Building $118,770	$143,520 Land $24,750 Building $118,770
2022	$2,078.00	$107,000 Land $15,750 Building $91,250
2021			$107,000 Land $15,750 Building $91,250

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

Flood

FEMA maps place 324 S Western 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

Wildfire risk around 324 S Western St is low, with 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Nextlink, Verizon.

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