3485 Zephyr Ln, Stuart, IA 50250 Property Records

Guthrie County property record for 3485 Zephyr Ln, Stuart, IA 50250

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,724 sqft · built 2007
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on File
Last Sale	$392,000 (Jul 2023)
Tax Bill	$5,138 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2006 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0000789506`

Property Details

APN / Parcel Number

Primary APN	`0000789506`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,724 sqft Living Area
1st Floor Area	1,604 sqft
Attic	Attic
Attic Area	120 sqft
Basement Area	1,604 sqft
Finished Basement	1,275 sqft
Unfinished Basement	204 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	41,382 sqft (0.95 acres)
Garage Type	Attached
Garage Area	1,232 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Deck Area	224 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3485 ZEPHYR LN
City	STUART
State	IA
Zip	50250-8501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	34 78 30 LOT 6 LAKE SAN-ROY DEV
Legal Range	30W
Legal Township	78N
Legal Section	34
Legal Subdivision	LAKE SAN-ROY DEV
Legal Lot Number	6
Jurisdiction	GUTHRIE IA
Township / Civil Division	STUART
Census Block Group	2
Census Block	2011
Census Tract	950300

Owner

3485 Zephyr Ln is owned and occupied by two individuals who bought it in July 2023.

Source: Guthrie County records, as of October 20, 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	3485 ZEPHYR LN, STUART, IA 50250-8501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage USAA FSB
Sep 28, 2006	Deed of Trust, Mortgage · Conventional Mortgage EVERBANK.COM
Jul 24, 2023	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2023 · Amount on File
Deed Sale	Jul 24, 2023 · Amount on File
Prior Sale	Jun 23, 2009 · Amount on File
Deed Document Number	20231524
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUTHRIE IA
Property Address	3485 ZEPHYR LN, STUART, IA 50250-8501
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020210543
Date	Feb 19, 2021
Instrument	2021-0543

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUTHRIE IA
Property Address	3485 ZEPHYR LN, STUART, IA 50250-8501
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02006/3237
Date	Sep 28, 2006
Book Page	2006/3237
Instrument	2006-3237

Lender

Name	EVERBANK.COM
Type	Bank
Address	URBANDALE, IA 50322

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2036

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUTHRIE IA
Recording Date	Jul 24, 2023
Property Address	3485 ZEPHYR LN, STUART, IA 50250-8501
Document Number	0020231524
Map Reference	BK G PG 183
Instrument Date	Jul 15, 2023
Instrument	2023-1524
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	$626.40
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	3485 ZEPHYR LN, STUART, IA 50250-8501

Mortgage

Document Number	0020231525
Date	Jul 24, 2023
Instrument	2023-1525

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3485 Zephyr Ln was $5,138 with a homeowner's exemption, down 12% from the year before.

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

Property Jurisdictions

Type	Name
State	Iowa
County	Guthrie County
Unified School District	West Central Valley Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$493,900 (-) Land $74,100 Building $419,800	$493,900 (-) Land $74,100 Building $419,800
2025	$5,138.00 (-12.02%) Homeowner's exemption	$493,900 Land $74,100 Building $419,800	$493,900 Land $74,100 Building $419,800
2024	$5,840.00
2023		$505,700 (+30.17%) Land $63,000 Building $442,700	$505,700 Land $63,000 Building $442,700
2022	$5,184.00	$388,500 Land $61,100 Building $327,400
2021			$388,500 Land $61,100 Building $327,400

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

Flood

FEMA maps place 3485 Zephyr Ln in Zone X, an area of minimal flood risk, though 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	Zone X minimal risk
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 3485 Zephyr Ln is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 78% of Iowa
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	XENIA RWD (DES MOINES) private · serves 12,860 people · EPA ID IA2573701
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 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
Verizon Fixed Wireless	300 / 20

May also be available: Mediacom Xtream.

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