412 S Division St, Stuart, IA 50250 Property Records

Adair County property record for 412 S Division St, Stuart, IA 50250

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,448 sqft · built 1925
Lot Size	0.386 acres (16,800 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Mar 2025)
Tax Bill	$2,724 (2025)
Deeds & Mortgages	May 2026 Transfer Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-05-278-007`

Property Details

APN / Parcel Number

Primary APN	`04-05-278-007`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,448 sqft Living Area
1st Floor Area	960 sqft
Attic	Attic
Attic Area	528 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,800 sqft (0.386 acres)
Lot Dimensions	140 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft
Deck Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	412 S DIVISION ST
City	STUART
State	IA
Zip	50250-2072
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 3 & 4 BLK 35 O T
Legal Subdivision	FONTANELLE
Legal Block	35
Legal Lot Number	3,4
Jurisdiction	ADAIR IA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1045
Census Tract	960100

Owner

Source: Adair 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	Individual Name on Record
Mailing Address	412 S DIVISION ST, STUART, IA 50250-2072
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 21, 2025	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2025 · Amount on Record
Deed Sale	Mar 21, 2025 · Amount on Record
Deed Document Number	2025300
Last Transfer Date	May 12, 2026
Transfer Doc	0000000531
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ADAIR IA
Recording Date	May 13, 2026
Property Address	412 S DIVISION ST, STUART, IA 50250-2072
Document Number	0000000531
Instrument Date	May 12, 2026
Instrument	2026531
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 S DIVISION ST, STUART, IA 50250-2072

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR IA
Recording Date	Mar 21, 2025
Property Address	412 S DIVISION ST, STUART, IA 50250-2072
Document Number	0020250300
Instrument Date	Mar 18, 2025
Instrument	2025-0300
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 S DIVISION ST, STUART, IA 50250-2072

Mortgage

Document Number	0020250301
Date	Mar 21, 2025
Instrument	2025-0301

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR IA
Property Address	412 S DIVISION ST, STUART, IA 50250-2072
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020211962
Date	Dec 17, 2021
Instrument	2021-1962

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,724.00 (+27.77%) Homeowner's exemption	$177,380 (+29.14%) Land $36,720 Building $140,660	$177,380 (+29.14%) Land $36,720 Building $140,660
2024	$2,132.00 (+4.1%)
2023		$137,360 (+20.14%) Land $33,660 Building $103,700	$137,360 (+20.14%) Land $33,660 Building $103,700
2022	$2,048.00 Homeowner's exemption	$114,330 Land $21,420 Building $92,910
2021			$114,330 Land $21,420 Building $92,910

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 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

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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