408 S Division St, Stuart, IA 50250 Property Records

Adair County property record for 408 S Division St, Stuart, IA 50250

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 960 sqft · built 1974
Lot Size	0.193 acres (8,400 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Apr 2021)
Tax Bill	$2,314 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-05-278-006`

Property Details

APN / Parcel Number

Primary APN	`04-05-278-006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	720 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Deck Area	290 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	408 S DIVISION ST
City	STUART
State	IA
Zip	50250-2072
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 35 O T
Legal Subdivision	ADAIR
Legal Block	35
Legal Lot Number	2
Jurisdiction	ADAIR IA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1045
Census Tract	960100

Owner

408 S Division St is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	408 S DIVISION ST, STUART, IA 50250-2072
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2021 · Amount on File
Deed Sale	Apr 27, 2021 · Amount on File
Deed Document Number	2021596
Record Updated	Oct 29, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ADAIR IA
Recording Date	Apr 27, 2021
Property Address	408 S DIVISION ST, STUART, IA 50250-2072
Document Number	0020210596
Instrument Date	Apr 22, 2021
Instrument	2021-0596
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	$199.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 S KELLOGG AVE UNIT 4, 4, AMES, IA 50010-6894

Mortgage

Document Number	0020210597
Date	Apr 27, 2021
Instrument	2021-0597

Lender

Name	SUMMIT FUNDING INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 408 S Division St was $2,314, up 3.4% 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	$2,314.00 (+3.4%)	$150,670 Land $18,360 Building $132,310	$150,670 Land $18,360 Building $132,310
2024	$2,238.00
2023		$133,370 (+31.3%) Land $16,830 Building $116,540	$133,370 Land $16,830 Building $116,540
2022	$1,972.00	$101,580 Land $10,710 Building $90,870
2021			$101,580 Land $10,710 Building $90,870

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

Flood

FEMA maps place 408 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 408 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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