3604 S Duff Ave, Ames, IA 50010 Property Records

Story County property record for 3604 S Duff Ave, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1959
Lot Size	0.499 acres (21,750 sqft)
Owner	2 Individual Names on File
Last Sale	$197,000 (Feb 2022)
Tax Bill	$3,586 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-23-250-010`

Property Details

APN / Parcel Number

Primary APN	`09-23-250-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	934 sqft
Unfinished Basement	74 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,750 sqft (0.499 acres)
Garage Type	Mixed
Garage Area	560 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3604 S DUFF AVE
City	AMES
State	IA
Zip	50010-8507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	EMERALD SD N1/2 LOT 5
Legal Range	24W
Legal Township	83N
Legal Section	23
Legal Subdivision	EMERALD SD
Legal Lot Number	5
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3018
Census Tract	1302

Owner

3604 S Duff Ave is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3604 S DUFF AVE, AMES, IA 50010-8507
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
Feb 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL STATE BANK
Feb 4, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2022 · Amount on File
Deed Sale	Feb 4, 2022 · Amount on File
Deed Document Number	20221152
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	3604 S DUFF AVE, AMES, IA 50010-8507
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700001768
Date	Feb 28, 2017
Instrument	2017-00001768

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2032

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	3604 S DUFF AVE, AMES, IA 50010-8507
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202109183
Date	Jul 16, 2021
Instrument	2021-09183

Lender

Name	CENTRAL STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2051

Interest

Rate Type	Fixed Rate

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Feb 4, 2022
Property Address	3604 S DUFF AVE, AMES, IA 50010-8507
Document Number	0202201152
Instrument Date	Feb 1, 2022
Instrument	2022-01152
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount on Record
Tax	$314.40
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
Address	3604 S DUFF AVE, AMES, IA 50010-8507

Tax Assessment & Valuation

The 2025 property tax bill for 3604 S Duff Ave was $3,586 with a homeowner's exemption, up 23% from the year before.

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	$3,586.00 (+22.98%) Homeowner's exemption	$286,300 Land $77,800 Building $208,500	$286,300 Land $77,800 Building $208,500
2024	$2,916.00
2023		$225,000 Land $45,800 Building $179,200	$225,000 Land $45,800 Building $179,200
2022	$2,930.00

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

Flood

FEMA maps place 3604 S Duff Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 3604 S Duff Ave 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 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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