406 Main St, Ames, IA 50010 Property Records

Story County property record for 406 Main St, Ames, IA 50010

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	6,050 sqft · built 1925
Lot Size	0.139 acres (6,050 sqft)
Owner	Company Name on Record
Last Sale	$550,000 (Jun 2019)
Tax Bill	$14,614 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-02-356-120`

Property Details

APN / Parcel Number

Primary APN	`09-02-356-120`

Interior

Units	4 Units
Stories	1 Story
Building Area	6,050 sqft Gross Area
1st Floor Area	6,050 sqft
Basement Area	2,017 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Brick
Lot Area	6,050 sqft (0.139 acres)

Location & Zoning

Street Address	406 MAIN ST
City	AMES
State	IA
Zip	50010-6182
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	DSC
Legal Description	BLAIRS ADD LOTS 3 & 4 & W6" LOT 2 & E1/2 LOT 5 BLK 15
Legal Range	24W
Legal Township	83N
Legal Section	02
Legal Subdivision	BLAIR'S ADD
Legal Block	15
Legal Lot Number	2-5
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4029
Census Tract	900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Ames Main Street Historic District listed 2018 · 66 contributing resources · NRIS 100002399

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	50014 PRAIRIE POINT CT, AMES, IA 50014-9508
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2018	Deed of Trust, Mortgage CENTRAL STATE BANK
Jun 10, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage GREAT WESTERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2019 · Amount on Record
Deed Sale	Jun 10, 2019 · Amount on Record
Prior Sale	Dec 23, 2015 · Amount on Record
Deed Document Number	20194670
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	406 MAIN ST, AMES, IA 50010-6182
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201806208
Date	Jul 12, 2018
Instrument	2018-06208

Lender

Name	CENTRAL STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Jun 10, 2019
Property Address	406 MAIN ST, AMES, IA 50010-6182
Document Number	0201904670
Instrument Date	May 31, 2019
Instrument	2019-04670
Transaction Type	Transfer
Record Updated	Nov 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3012 SAPPHIRE CIR, AMES, IA 50010-8482

Mortgage

Document Number	0201904671
Date	Jun 10, 2019
Instrument	2019-04671

Lender

Name	GREAT WESTERN BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$14,614.00 (+24.97%)	$601,600 (+21.34%) Land $154,200 Building $447,400	$601,600 (+21.34%) Land $154,200 Building $447,400
2024	$11,694.00 (-7.43%)
2023		$495,800 Land $192,200 Building $303,600	$495,800 Land $192,200 Building $303,600
2022	$12,632.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	6 (1990–2010)
Most Recent Claim	Aug 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms & Flooding, Jul 1993 · 3 claims

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	Not rated no burnable land within 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 313 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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