413 W Riverside Rd, Ames, IA 50010 Property Records

Story County property record for 413 W Riverside Rd, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,926 sqft · built 1955
Lot Size	2.54 acres (110,642 sqft)
Owner	2 Individual Names on File
Last Sale	$547,500 (May 2026)
Tax Bill	$6,116 (2025)
Deeds & Mortgages	Jun 2019 Refinance Feb 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-310-260`

Property Details

APN / Parcel Number

Primary APN	`05-23-310-260`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,926 sqft Living Area
1st Floor Area	1,396 sqft
Basement Area	1,788 sqft
Finished Basement	775 sqft
Unfinished Basement	1,013 sqft
Game Room	Game Room
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1971
Architectural Style	A-Frame
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	110,642 sqft (2.54 acres)
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	120 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	413 W RIVERSIDE RD
City	AMES
State	IA
Zip	50010-9319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	SECTION:23 TOWNSHIP:84 RANGE:24 E1/2 SW COMM PT ON W LINE LOT 4 & IN CTROF RD 1131.6' N SW COR SE SW SE82.8' SE166.8'
Legal Range	24W
Legal Township	84N
Legal Section	23
Legal Subdivision	88823
Legal Lot Number	4
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1028
Census Tract	101

Owner

413 W Riverside Rd is owned and occupied by two individuals who bought it in May 2026.

Source: Story County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	413 W RIVERSIDE RD, AMES, IA 50010-9319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREATER IOWA CREDIT UNION
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANKERS TRUST CO
Jan 14, 2026	Deed of Trust, Mortgage · Line of Credit GREATER IOWA CU
Nov 9, 2012	Deed of Trust, Mortgage · Conventional Mortgage FIRST CLASS CU
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
Sep 28, 2026	Re-recorded Document NONE LISTED ON DOCUMENT
Oct 11, 2017	Warranty Deed, Transfer · Conventional Mortgage BANKERS TRUST COMPANY NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2026 · Amount on File
Deed Sale	May 1, 2026 · Amount on File
Prior Sale	Nov 9, 2012 · Amount on File
Deed Document Number	20263724
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	413 W RIVERSIDE RD, AMES, IA 50010-9319
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201905005
Date	Jun 19, 2019
Instrument	2019-05005

Lender

Name	GREATER IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2029

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	413 W RIVERSIDE RD, AMES, IA 50010-9319
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202101365
Date	Feb 1, 2021
Instrument	2021-01365

Lender

Name	BANKERS TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

Interest

Rate Type	Fixed Rate

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	413 W RIVERSIDE RD, AMES, IA 50010-9319
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 W RIVERSIDE RD, AMES, IA 50010-9319

Mortgage

Document Number	0202600351
Date	Jan 14, 2026
Instrument	2026-00351

Lender

Name	GREATER IOWA CU
Type	Credit Union
Address	AMES, IA 50010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 13, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	413 W RIVERSIDE RD, AMES, IA 50010-9319
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201200013550
Date	Nov 9, 2012
Instrument	2012-00013550

Lender

Name	FIRST CLASS CU
Address	WEST DES MOINES, IA 50265

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2032

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	May 1, 2026
Property Address	413 W RIVERSIDE RD, AMES, IA 50010-9319
Document Number	0000003724
Instrument Date	Apr 27, 2026
Instrument	20263724
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88,395.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	413 W RIVERSIDE RD, AMES, IA 50010-9319

Mortgage

Document Number	0000003725,
Date	May 1, 2026
Instrument	20263725

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	May 1, 2026
Property Address	413 W RIVERSIDE RD, AMES, IA 50010-9319
Document Number	0202603724
Instrument Date	Apr 27, 2026
Instrument	20263724
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88,395.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	413 W RIVERSIDE RD, AMES, IA 50010-9319

Mortgage

Document Number	0000003725,
Date	May 1, 2026
Instrument	20263725

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	STORY IA
Recording Date	Sep 28, 2026
Property Address	413 W RIVERSIDE RD, AMES, IA 50010-9319
Document Number	0000008832
Instrument Date	Apr 27, 2026
Instrument	20268832
Record Updated	Oct 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 W RIVERSIDE RD, AMES, IA 50010-9319

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Oct 11, 2017
Property Address	413 W RIVERSIDE RD, AMES, IA 50010-9319
Document Number	201700010433
Instrument Date	Oct 6, 2017
Instrument	2017-00010433
Transaction Type	Transfer
Record Updated	Jun 11, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
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	413 W RIVERSIDE RD, AMES, IA 50010-9319

Mortgage

Document Number	0201710434
Date	Oct 11, 2017
Instrument	2017-10434

Lender

Name	BANKERS TRUST COMPANY NA
Type	Bank
Address	DES MOINES, IA 50309

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 413 W Riverside Rd was $6,116 with a homeowner's exemption, up 7.4% from the year before.

Source: Story County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Story County
Unified School District	Gilbert Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,116.00 (+7.45%) Homeowner's exemption	$513,000 Land $229,500 Building $283,500	$513,000 Land $229,500 Building $283,500
2024	$5,692.00
2023		$436,000 Land $172,500 Building $263,500	$468,300
2022	$5,040.00

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

Flood

FEMA maps place 413 W Riverside Rd 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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 413 W Riverside Rd is low, with a 0.03% 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 62% of Iowa
Wildfire Likelihood	0.03% 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	XENIA RWD (BOONE) private · serves 4,975 people · EPA ID IA0844006
Water Source	Purchased groundwater influenced by surface water from several systems
Last State Inspection	Sep 2024
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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