412 Opal Cir, Ames, IA 50010 Property Records

Story County property record for 412 Opal Cir, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,797 sqft · built 1992
Lot Size	0.181 acres (7,869 sqft)
Owner	2 Individual Names on File
Last Sale	$216,000 (Jan 2022)
Tax Bill	$4,352 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-14-452-130`

Property Details

APN / Parcel Number

Primary APN	`09-14-452-130`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,797 sqft Living Area
1st Floor Area	1,159 sqft
Attic	Attic
Attic Area	638 sqft
Basement Area	1,159 sqft
Finished Basement	864 sqft
Unfinished Basement	295 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1993
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,869 sqft (0.181 acres)
Lot Dimensions	129 ft deep x 61 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Deck Area	Deck Area
Patio Area	74 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	412 OPAL CIR
City	AMES
State	IA
Zip	50010-8487
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	COUNTRY GABLES 4TH ADD LOT:13 AMES
Legal Range	24W
Legal Township	83N
Legal Section	14
Legal Subdivision	COUNTRY GABLES 4TH ADD
Legal Lot Number	13
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3014
Census Tract	1302

Owner

412 Opal Cir is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	412 OPAL CIR, AMES, IA 50010-8487
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
Mar 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB
Jan 6, 2022	Warranty Deed, Transfer · Conventional Mortgage WCF FINANCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2022 · Amount on File
Deed Sale	Jan 6, 2022 · Amount on File
Deed Document Number	2022197
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	412 OPAL CIR, AMES, IA 50010-8487
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700002023
Date	Mar 8, 2017
Instrument	2017-00002023

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2037

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Jan 6, 2022
Property Address	412 OPAL CIR, AMES, IA 50010-8487
Document Number	0202200197
Instrument Date	Jan 4, 2022
Instrument	2022-00197
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$344.80
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 with Right of Survivorship
Address	412 OPAL CIR, AMES, IA 50010-8487

Mortgage

Document Number	0202200198
Date	Jan 6, 2022
Instrument	2022-00198

Lender

Name	WCF FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 412 Opal Cir was $4,352, down 1.3% 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	$4,352.00 (-1.27%)	$316,500 Land $51,100 Building $265,400	$316,500 Land $51,100 Building $265,400
2024	$4,408.00
2023		$303,900 Land $59,500 Building $244,400	$303,900 Land $59,500 Building $244,400
2022	$4,002.00

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

Flood

FEMA maps place 412 Opal Cir 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 412 Opal Cir is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 164 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: ICS Advanced Technologies.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Opal Cir

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