405 S Division St, Stuart, IA 50250 Property Records

Adair County property record for 405 S Division St, Stuart, IA 50250

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,130 sqft · built 1879
Lot Size	0.405 acres (17,640 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Jun 2022)
Tax Bill	$4,830 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jul 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-04-151-001`

Property Details

APN / Parcel Number

Primary APN	`04-04-151-001`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,130 sqft Living Area
1st Floor Area	1,065 sqft
Basement Area	1,065 sqft
Unfinished Basement	1,065 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1879
Effective Year Built	Effective 1879
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,640 sqft (0.405 acres)
Lot Dimensions	140 ft deep x 126 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	662 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	405 S DIVISION ST
City	STUART
State	IA
Zip	50250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 9 & 10 BLK 34 O T
Legal Subdivision	ORIGINAL TOWN STUART
Legal Block	34
Legal Lot Number	9,10
Jurisdiction	ADAIR IA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1046
Census Tract	960100

Owner

405 S Division St is owned by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	407 S DIVISION ST, STUART, IA 50250-2072
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
Jun 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage LUANNA SAVINGS BANK
Jul 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GUTHRIE COUNTY STATE BANK
Jun 3, 2022	Warranty Deed, Transfer · Conventional Mortgage LUANNA SAVINGS BANK
Nov 13, 2017	Warranty Deed, Transfer · Conventional Mortgage GUTHRIE COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2022 · Amount on File
Deed Sale	Jun 3, 2022 · Amount on File
Prior Sale	Nov 13, 2017 · Amount on File
Deed Document Number	2022863
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR IA
Property Address	405 S DIVISION ST, STUART, IA 50250
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020220865
Date	Jun 3, 2022
Instrument	2022-0865

Lender

Name	LUANNA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2052

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR IA
Property Address	405 S DIVISION ST, STUART, IA 50250
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020191012
Date	Jul 8, 2019
Instrument	2019-1012

Lender

Name	GUTHRIE COUNTY STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR IA
Recording Date	Jun 3, 2022
Property Address	405 S DIVISION ST, STUART, IA 50250
Document Number	0020220863
Instrument Date	May 27, 2022
Instrument	2022-0863
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$455.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 S DIVISION ST, STUART, IA 50250

Mortgage

Document Number	0020220864
Date	Jun 3, 2022
Instrument	2022-0864

Lender

Name	LUANNA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2052

Interest

Rate Type	Fixed Rate

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR IA
Recording Date	Nov 13, 2017
Property Address	405 S DIVISION ST, STUART, IA 50250
Document Number	000765/017
Book / Page	0765 / 017
Instrument Date	Nov 8, 2017
Instrument	2017-1403
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 S DIVISION ST, STUART, IA 50250

Mortgage

Document Number	000765/018
Date	Nov 13, 2017
Book Page	0765/018
Instrument	2017-1404

Lender

Name	GUTHRIE COUNTY STATE BANK
Type	Bank
Address	PANORA, IA 50216

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 405 S Division St was $4,830, up 4.4% 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	$4,830.00 (+4.41%)	$314,650 Land $38,560 Building $276,090	$314,650 Land $38,560 Building $276,090
2024	$4,626.00
2023		$275,760 (+59.31%) Land $35,340 Building $240,420	$275,760 Land $35,340 Building $240,420
2022	$3,362.00	$173,100 Land $6,960 Building $166,140
2021			$173,100 Land $6,960 Building $166,140

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

Flood

FEMA maps place 405 S Division 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 405 S Division 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 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	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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