512 Crystal St, Ames, IA 50010 Property Records

Story County property record for 512 Crystal St, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,290 sqft · built 2006
Lot Size	0.197 acres (8,587 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Sep 2022)
Tax Bill	$4,474 (2025)
Deeds & Mortgages	May 2020 Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-14-469-020`

Property Details

APN / Parcel Number

Primary APN	`09-14-469-020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,290 sqft Living Area
1st Floor Area	1,290 sqft
Basement Area	1,290 sqft
Finished Basement	1,198 sqft
Unfinished Basement	92 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,587 sqft (0.197 acres)
Garage Type	Attached
Garage Area	544 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	512 CRYSTAL ST
City	AMES
State	IA
Zip	50010-8496
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	COUNTRY GABLES 9TH ADD LOT:2 AMES
Legal Range	24W
Legal Township	83N
Legal Section	14
Legal Subdivision	COUNTRY GABLES 9TH ADD
Legal Lot Number	2
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3014
Census Tract	1302

Owner

512 Crystal St is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	512 CRYSTAL ST, AMES, IA 50010-8496
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.

Deeds, Mortgages & Sale History

Date	Document
May 21, 2020	Deed of Trust, Mortgage · ARM DEERE EMPLOYEES CU
Sep 29, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2022 · Amount on File
Deed Sale	Sep 29, 2022 · Amount on File
Prior Sale	May 21, 2020 · Amount on File
Deed Document Number	20229595
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	512 CRYSTAL ST, AMES, IA 50010-8496
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0202005275
Date	May 21, 2020
Instrument	2020-05275

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	4.87%
Index	1-Year CMT

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Sep 29, 2022
Property Address	512 CRYSTAL ST, AMES, IA 50010-8496
Document Number	0202209595
Instrument Date	Sep 26, 2022
Instrument	2022-09595
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$543.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 CRYSTAL ST, AMES, IA 50010-8496

Mortgage

Document Number	0202209596
Date	Sep 29, 2022
Instrument	2022-09596

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 512 Crystal St was $4,474, up 4.5% from the year before.

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	$4,474.00 (+4.53%)	$325,400 Land $55,800 Building $269,600	$325,400 Land $55,800 Building $269,600
2024	$4,280.00
2023		$295,100 Land $62,300 Building $232,800	$295,100 Land $62,300 Building $232,800
2022	$4,192.00

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

Flood

FEMA maps place 512 Crystal St in Zone X, an area of minimal flood risk.

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	4 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 512 Crystal St is low, with a 0.01% 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	0.01% 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	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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: ICS Advanced Technologies.

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