3318 Emerald Dr, Ames, IA 50010 Property Records

Story County property record for 3318 Emerald Dr, Ames, IA 50010

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,216 sqft · built 1998
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Jul 2014)
Tax Bill	$3,426 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-23-203-090`

Property Details

APN / Parcel Number

Primary APN	`09-23-203-090`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	1,216 sqft
Basement Area	1,216 sqft
Finished Basement	897 sqft
Unfinished Basement	319 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Townhouse
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	4,500 sqft (0.103 acres)
Garage Type	Attached
Garage Area	402 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3318 EMERALD DR
City	AMES
State	IA
Zip	50010-8537
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	F-PRD
Legal Description	JEWEL PARK SD PLAT 1 LOT:9 AMES
Legal Range	24W
Legal Township	83N
Legal Section	23
Legal Subdivision	JEWEL PARK SD PLAT 1
Legal Lot Number	9
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3013
Census Tract	1302

Owner

Source: Story County records · APN 09-23-203-090

Assessment roll updated September 30, 2025 · Last verified June 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 File
Mailing Address	3318 EMERALD DR, AMES, IA 50010-8537
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 16, 2014 · Amount on Record
Deed Sale	Jul 16, 2014 · Amount on Record
Deed Document Number	20145874
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Recording Date	Apr 10, 2026
Property Address	3318 EMERALD DR, AMES, IA 50010-8537
Document Number	0000002916
Instrument Date	Apr 04, 2026
Instrument	20262916
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3318 EMERALD DR, AMES, IA 50010-8537

Mortgage

Document Number	0000002916,
Date	Apr 10, 2026
Instrument	20262916

Lender

Name	GREATER IOWA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 09, 2041

Interest

Rate	5.43%
Max Rate	-1%

Tax Assessment & Valuation

Source: Story County records · Assessment roll updated September 30, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,426.00 Homeowner's exemption	$266,800 (+4.71%) Land $29,300 Building $237,500	$266,800 (+4.71%) Land $29,300 Building $237,500
2024	$3,426.00 (+6.86%)
2023		$254,800 Land $50,700 Building $204,100	$254,800 Land $50,700 Building $204,100
2022	$3,206.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 25, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: ICS Advanced Technologies.

Based on FCC filings for 164 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	AMES WATER TREATMENT PLANT serves 55,177 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.