3515 Emerald Dr, Ames, IA 50010 Property Records

Story County property record for 3515 Emerald Dr, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,456 sqft · built 2004
Lot Size	0.232 acres (10,114 sqft)
Owner	2 Individual Names on Record
Last Sale	$198,500 (Jun 2014)
Tax Bill	$4,732 (2025)
Deeds & Mortgages	Dec 2019 Refinance Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-23-202-105`

Property Details

APN / Parcel Number

Primary APN	`09-23-202-105`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
Basement Area	1,456 sqft
Finished Basement	1,218 sqft
Unfinished Basement	1,456 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,114 sqft (0.232 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	340 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3515 EMERALD DR
City	AMES
State	IA
Zip	50010-8540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	GUGE SD LOT:1 AMES
Legal Range	24W
Legal Township	83N
Legal Section	23
Legal Subdivision	GUGE SD
Legal Lot Number	1
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3019
Census Tract	1302

Owner

Source: Story County records, as of September 1, 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	3515 EMERALD DR, AMES, IA 50010-8540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE300 LENDING REVOLUTION
Jul 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage GREATER IOWA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2014 · Amount on Record
Deed Sale	Jun 25, 2014 · Amount on Record
Deed Document Number	20145056
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	3515 EMERALD DR, AMES, IA 50010-8540
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20201912128
Date	Dec 17, 2019
Instrument	202019-12128

Lender

Name	MORTGAGE300 LENDING REVOLUTION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	3515 EMERALD DR, AMES, IA 50010-8540
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202206930
Date	Jul 13, 2022
Instrument	2022-06930

Lender

Name	GREATER IOWA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 15, 2037

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$4,732.00 (+10.87%)	$344,100 (+37.86%) Land $65,700 Building $278,400	$344,100 (+37.86%) Land $65,700 Building $278,400
2024	$4,268.00 (+14%)
2023		$249,600 Land $55,600 Building $194,000	$249,600 Land $55,600 Building $194,000
2022	$3,744.00

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

Flood

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 76% 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	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 53 locations within half a mile, as of December 31, 2025

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

May also be available: ICS Advanced Technologies.

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