5294 Oneil Dr, Ames, IA 50010 Property Records

Story County property record for 5294 Oneil Dr, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,125 sqft · built 1965
Lot Size	0.53 acres (23,087 sqft)
Owner	Trust Name on File
Last Sale	$211,000 (Feb 2023)
Tax Bill	$2,954 (2025)
Deeds & Mortgages	Dec 2019 Refinance Feb 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-160-200`

Property Details

APN / Parcel Number

Primary APN	`05-23-160-200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,125 sqft Living Area
1st Floor Area	1,125 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5294 ONEIL DR
City	AMES
State	IA
Zip	50010-9229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1, RESID
Legal Description	OAK HILL HEIGHTS SD LOT:9
Legal Range	24W
Legal Township	84N
Legal Section	23
Legal Subdivision	OAK HILL HEIGHTS SD
Legal Lot Number	9
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1045
Census Tract	101

Owner

5294 Oneil Dr is owner-occupied and held in a trust since February 2023.

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

Owner of Record	Trust Name on File
Mailing Address	5294 ONEIL DR, AMES, IA 50010-9229
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Dec 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LUANA SAVINGS BANK
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage PREMIER LENDING LLC
Feb 6, 2023	Warranty Deed, Transfer
Oct 8, 2018	Personal Representative Deed, Transfer
Oct 2, 2018	Warranty Deed, Transfer GREATER IOWA CREDIT UNION
Sep 19, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2023 · Amount on File
Deed Sale	Feb 6, 2023 · Amount on File
Prior Sale	Oct 8, 2018 · Amount on File
Deed Document Number	2023727
Prior Transfer Date	Sep 14, 2022
Prior Transfer Doc	0202209245
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	5294 ONEIL DR, AMES, IA 50010-9229
Transaction Type	Mortgage
Record Updated	Apr 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201911487
Date	Dec 2, 2019
Instrument	2019-11487

Lender

Name	LUANA SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	5294 ONEIL DR, AMES, IA 50010-9229
Transaction Type	Mortgage
Record Updated	Apr 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202102150
Date	Feb 18, 2021
Instrument	2021-02150

Lender

Name	PREMIER LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Feb 6, 2023
Property Address	5294 ONEIL DR, AMES, IA 50010-9229
Document Number	0202300727
Instrument Date	Feb 2, 2023
Instrument	2023-00727
Transaction Type	Transfer
Record Updated	Apr 5, 2023

Transaction

Amount	Amount on Record
Tax	$336.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5294 ONEIL DR, AMES, IA 50010-9229

October 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	STORY IA
Recording Date	Oct 8, 2018
Property Address	5294 ONEIL DR, AMES, IA 50010-9229
Document Number	0201809240
Instrument Date	Oct 1, 2018
Instrument	2018-09240
Transaction Type	Transfer
Record Updated	Apr 5, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5294 ONEIL DR, AMES, IA 50010-9229

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Oct 2, 2018
Property Address	5294 ONEIL DR, AMES, IA 50010-9229
Document Number	0201809133
Instrument Date	Sep 28, 2018
Instrument	2018-09133
Transaction Type	Transfer
Record Updated	Apr 5, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5294 ONEIL DR, AMES, IA 50010-9229

Mortgage

Document Number	0201809134
Date	Oct 2, 2018
Instrument	2018-09134

Lender

Name	GREATER IOWA CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2048

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STORY IA
Recording Date	Sep 19, 2022
Property Address	5294 ONEIL DR, AMES, IA 50010-9229
Document Number	0202209245
Instrument Date	Sep 14, 2012
Instrument	2022-09245
Transaction Type	Transfer
Record Updated	Apr 5, 2023

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
Relationship	Joint Tenants with Right of Survivorship
Address	5294 ONEIL DR, AMES, IA 50010-9229

Tax Assessment & Valuation

The 2025 property tax bill for 5294 Oneil Dr was $2,954, down 0.5% from the year before.

Source: Story County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Story County
Unified School District	Gilbert Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,954.00 (-0.54%)	$227,100 Land $112,600 Building $114,500	$227,100 Land $112,600 Building $114,500
2024	$2,970.00
2023		$222,200 Land $112,500 Building $109,700	$222,200 Land $112,500 Building $109,700
2022	$2,332.00

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

Flood

FEMA maps place 5294 Oneil Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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 5294 Oneil Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.03% 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	XENIA RWD (BOONE) private · serves 4,975 people · EPA ID IA0844006
Water Source	Purchased groundwater influenced by surface water from several systems
Last State Inspection	Sep 2024
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

May also be available: Nextlink, Verizon.

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