512 20th St, Ames, IA 50010 Property Records

Story County property record for 512 20th St, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,140 sqft · built 1954
Lot Size	0.254 acres (11,061 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Oct 2025)
Tax Bill	$3,332 (2025)
Deeds & Mortgages	Aug 2025 Second Mortgage Aug 2012 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-35-301-030`

Property Details

APN / Parcel Number

Primary APN	`05-35-301-030`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	480 sqft
Unfinished Basement	480 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,061 sqft (0.254 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	18 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	512 20TH ST
City	AMES
State	IA
Zip	50010-4926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	FRIEDRICH'S 13TH ADD LOT:20 AMES
Legal Range	24W
Legal Township	84N
Legal Section	35
Legal Subdivision	FRIEDRICH'S 13TH ADD
Legal Lot Number	20
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2013
Census Tract	200

Owner

Source: Story 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	2 Individual Names on Record
Mailing Address	512 20TH ST, AMES, IA 50010-4926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREATER IOWA CU
Aug 22, 2012	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREATER IOWA CU
Oct 6, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Deed Document Number	20258177
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	512 20TH ST, AMES, IA 50010-4926
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 20TH ST, AMES, IA 50010-4926

Mortgage

Document Number	0202506709
Date	Aug 20, 2025
Instrument	2025-06709

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 20, 2035

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	512 20TH ST, AMES, IA 50010-4926
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201200009751
Date	Aug 22, 2012
Instrument	2012-00009751

Lender

Name	GREATER IOWA CU
Address	AMES, IA 50010

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Aug 15, 2015

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Oct 6, 2025
Property Address	512 20TH ST, AMES, IA 50010-4926
Document Number	0202508177
Instrument Date	Oct 1, 2025
Instrument	2025-08177
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$463.20
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	512 20TH ST, AMES, IA 50010-4926

Mortgage

Document Number	0202508178
Date	Oct 6, 2025
Instrument	2025-08178

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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	$3,332.00 (+15.13%) Homeowner's exemption	$253,200 (+20.74%) Land $60,800 Building $192,400	$253,200 (+20.74%) Land $60,800 Building $192,400
2024	$2,894.00 (+2.05%)
2023		$209,700 Land $44,400 Building $165,300	$209,700 Land $44,400 Building $165,300
2022	$2,836.00

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 May 25, 2026 · 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 Policies	1 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2026 · Severe Storms 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 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	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 501 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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