517 20th St, Ames, IA 50010 Property Records

Story County property record for 517 20th St, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,128 sqft · built 1954
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$201,000 (Jul 2021)
Tax Bill	$2,684 (2025)
Deeds & Mortgages	May 2018 Line of Credit Sep 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-35-150-240`

Property Details

APN / Parcel Number

Primary APN	`05-35-150-240`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	936 sqft
Basement Area	956 sqft
Finished Basement	812 sqft
Unfinished Basement	144 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	517 20TH ST
City	AMES
State	IA
Zip	50010-4925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	HIGHLAND PARK 1ST ADD LOT:4 AMES
Legal Range	24W
Legal Township	84N
Legal Section	35
Legal Subdivision	HIGHLAND PARK 1ST ADD
Legal Lot Number	4
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2011
Census Tract	200

Owner

Source: Story County records, as of May 27, 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	517 20TH ST, AMES, IA 50010-4925
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Sep 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Oct 31, 2012	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Jul 13, 2021	Warranty Deed, Transfer · Conventional Mortgage INLANTA MORTGAGE INC
Mar 3, 2009	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	Jun 30, 2006 · Amount on Record
Deed Document Number	20219017
Prior Transfer Date	Aug 6, 2009
Prior Transfer Doc	0000011891
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	517 20TH ST, AMES, IA 50010-4925
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0201804459
Date	May 25, 2018
Instrument	2018-04459

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	517 20TH ST, AMES, IA 50010-4925
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700009760
Date	Sep 21, 2017
Instrument	2017-00009760

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	SOUTHLAKE, TX 76092

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	122 Months
Due	Nov 1, 2027

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	517 20TH ST, AMES, IA 50010-4925
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201200013069
Date	Oct 31, 2012
Instrument	2012-00013069

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	SOUTHLAKE, TX 76092

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2027

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Jul 13, 2021
Property Address	517 20TH ST, AMES, IA 50010-4925
Document Number	0202109017
Instrument Date	Jun 22, 2021
Instrument	2021-09017
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.80
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	517 20TH ST, AMES, IA 50010-4925

Mortgage

Document Number	0202109018
Date	Jul 13, 2021
Instrument	2021-09018

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

March 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Mar 3, 2009
Property Address	517 20TH ST, AMES, IA 50010-4925
Document Number	200900002279
Instrument Date	Feb 12, 2009
Instrument	2009-00002279
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4809 PACER WAY, FLOWER MOUND, TX 75028-8768

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900002280
Date	Mar 3, 2009
Instrument	2009-00002280

Lender

Name	GUARDIAN MORTGAGE CO INC
Address	RICHARDSON, TX 75080

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2024

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	$2,684.00	$218,000 (+17.84%) Land $49,500 Building $168,500	$218,000 (+17.84%) Land $49,500 Building $168,500
2024	$2,684.00
2023		$185,000 Land $39,900 Building $145,100	$185,000 Land $39,900 Building $145,100
2022	$2,684.00

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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