504 S Gaines St, Stuart, IA 50250 Property Records

Adair County property record for 504 S Gaines St, Stuart, IA 50250

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,044 sqft · built 1925
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$162,000 (Apr 2025)
Tax Bill	$2,440 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-05-280-009`

Property Details

APN / Parcel Number

Primary APN	`04-05-280-009`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,044 sqft Living Area
1st Floor Area	708 sqft
Basement Area	708 sqft
Unfinished Basement	708 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	240 sqft
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	504 S GAINES ST
City	STUART
State	IA
Zip	50250-2033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 39 O T
Legal Subdivision	THE ORIGINAL TOWN OF STUART
Legal Block	39
Legal Lot Number	1
Jurisdiction	ADAIR IA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1049
Census Tract	960100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	504 S GAINES ST, STUART, IA 50250-2033
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Apr 17, 2025	Warranty Deed, Transfer · FHA Mortgage WINTRUST MORTGAGE
Oct 12, 2022	Intrafamily Transfer, Transfer
Oct 12, 2022	Intrafamily Transfer, Transfer
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2025 · Amount on Record
Deed Sale	Apr 17, 2025 · Amount on Record
Prior Sale	Dec 19, 2024 · Amount on Record
Deed Document Number	2025404
Prior Transfer Date	Jan 7, 2025
Prior Transfer Doc	0000000073
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR IA
Property Address	504 S GAINES ST, STUART, IA 50250-2033
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020201141
Date	Oct 8, 2020
Instrument	2020-1141

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Oct 8, 2060

Interest

Rate Type	Adjustable Rate

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR IA
Recording Date	Apr 17, 2025
Property Address	504 S GAINES ST, STUART, IA 50250-2033
Document Number	0020250404
Instrument Date	Apr 10, 2025
Instrument	2025-0404
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.40
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	504 S GAINES ST, STUART, IA 50250-2033

Mortgage

Document Number	0020250405
Date	Apr 17, 2025
Instrument	2025-0405

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ADAIR IA
Recording Date	Oct 12, 2022
Property Address	504 S GAINES ST, STUART, IA 50250-2033
Document Number	0020221411
Instrument Date	Oct 10, 2022
Instrument	2022-1411
Transaction Type	Transfer
Record Updated	Dec 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 88, STUART, IA 50250-0088

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ADAIR IA
Recording Date	Oct 12, 2022
Property Address	504 S GAINES ST, STUART, IA 50250-2033
Document Number	0020221411
Instrument Date	Oct 10, 2022
Instrument	2022-1411
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 88, STUART, IA 50250-0088

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR IA
Property Address	504 S GAINES ST, STUART, IA 50250-2033
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020201141
Date	Oct 8, 2020
Instrument	2020-1141

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Oct 8, 2060

Interest

Rate Type	Adjustable 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	$2,440.00 (+151.55%)	$158,880 (+174.88%) Land $18,360 Building $140,520	$158,880 (+174.88%) Land $18,360 Building $140,520
2024	$970.00 (+7.78%)
2023		$57,800 (+24.76%) Land $16,830 Building $40,970	$57,800 (+24.76%) Land $16,830 Building $40,970
2022	$900.00	$46,330 Land $10,710 Building $35,620
2021			$46,330 Land $10,710 Building $35,620

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 98% of the US · lower than 82% 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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