Guthrie County property record for 424 NW 2nd St, Stuart, IA 50250
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,580 sqft · built 1979 |
| Lot Size | 0.585 acres (25,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,308 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0001379700 |
| Primary APN | 0001379700 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,580 sqft Living Area |
| Basement Area | 1,580 sqft |
| Finished Basement | 1,200 sqft |
| Unfinished Basement | 399 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 25,500 sqft (0.585 acres) |
| Lot Dimensions | 170 ft deep x 150 ft wide |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 424 NW 2ND ST |
|---|---|
| City | STUART |
| State | IA |
| Zip | 50250-3046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12 LOT 1 HOLLINGS. 1ST BLK 12 |
| Legal Subdivision | HOLLINGSWORTH FIRST ADD |
| Legal Block | 12 |
| Legal Lot Number | 1 |
| Jurisdiction | GUTHRIE IA |
| Township / Civil Division | STUART |
| Census Block Group | 2 |
| Census Block | 2071 |
| Census Tract | 950300 |
424 NW 2nd St is owned and occupied by two individuals.
Source: Guthrie County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 424 NW 2ND ST, STUART, IA 50250-3046 |
| 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.
| Date | Document |
|---|---|
| Jan 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC |
| Jun 20, 2018 | Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Property Address | 424 NW 2ND ST, STUART, IA 50250-3046 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020210260 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 2021-0260 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Property Address | 424 NW 2ND ST, STUART, IA 50250-3046 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000001704 |
|---|---|
| Date | Jun 20, 2018 |
| Book Page | 0000002018/0000001704 |
| Instrument | 2018-1704 |
| Name | EMBRACE HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Jan 1, 2048 |
The 2025 property tax bill for 424 NW 2nd St was $5,308 with a homeowner's exemption, up 14.2% from the year before.
Source: Guthrie County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Guthrie County |
| Municipality | Stuart City |
| Unified School District | West Central Valley Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $362,900 (-) Land $29,700 Building $333,200 | $362,900 (-) Land $29,700 Building $333,200 | |
| 2025 | $5,308.00 (+14.25%) Homeowner's exemption | $362,900 Land $29,700 Building $333,200 | $362,900 Land $29,700 Building $333,200 |
| 2024 | $4,646.00 | ||
| 2023 | $282,000 (+30.01%) Land $27,500 Building $254,500 | $282,000 Land $27,500 Building $254,500 | |
| 2022 | $4,042.00 Homeowner's exemption | $216,900 Land $27,500 Building $189,400 | |
| 2021 | $216,900 Land $27,500 Building $189,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 424 NW 2nd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
Source: FEMA National Flood Hazard Layer, effective April 4, 2017 · 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 | 1 (1998) |
| Most Recent Claim | Jun 1998 · Severe Storms, Tornadoes And Flooding |
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 risk around 424 NW 2nd St 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 97% of the US · lower than 76% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, Coon Valley Co-op Telephone Association, Nextlink, Verizon.
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