5398 Cobblestone Ct, Ames, IA 50014 Property Records

Story County property record for 5398 Cobblestone Ct, Ames, IA 50014

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,903 sqft · built 2018
Lot Size	1.22 acres (53,143 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,334 (2025)
Deeds & Mortgages	Aug 2018 Mortgage May 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-19-205-065`

Property Details

APN / Parcel Number

Primary APN	`05-19-205-065`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	4 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,903 sqft Living Area
1st Floor Area	1,425 sqft
Basement Area	1,425 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	A-Frame
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,143 sqft (1.22 acres)
Garage Type	Attached
Garage Area	1,122 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio
Deck Area	352 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Geothermal

Location & Zoning

Street Address	5398 COBBLESTONE CT
City	AMES
State	IA
Zip	50014-2219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAMERON ESTATES SD 3RD ADD SECTION:19 TOWNSHIP:84 RANGE:24 PARCEL C LOT 1 & PT LOT 2 SLIDE 606 PG 6
Legal Range	24W
Legal Township	84N
Legal Section	19
Legal Subdivision	CAMERON ESTATES SD
Legal Lot Number	1,2
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1008
Census Tract	104

Owner

5398 Cobblestone Ct is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	5398 COBBLESTONE CT, AMES, IA 50014-2219
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
Aug 16, 2018	Deed of Trust, Mortgage VISION BANK OF IOWA
May 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VISION BANK OF IOWA
Oct 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VISION BANK OF IOWA
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage VISION BANK OF IOWA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	5398 COBBLESTONE CT, AMES, IA 50014-2219
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201807665
Date	Aug 16, 2018
Instrument	2018-07665

Lender

Name	VISION BANK OF IOWA

Agreement

Amount	Amount on Record

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	5398 COBBLESTONE CT, AMES, IA 50014-2219
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201904108
Date	May 24, 2019
Instrument	2019-04108

Lender

Name	VISION BANK OF IOWA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	5398 COBBLESTONE CT, AMES, IA 50014-2219
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201909709
Date	Oct 15, 2019
Instrument	2019-09709

Lender

Name	VISION BANK OF IOWA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	5398 COBBLESTONE CT, AMES, IA 50014-2219
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202007972
Date	Jul 17, 2020
Instrument	2020-07972

Lender

Name	VISION BANK OF IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 5398 Cobblestone Ct was $9,334 with a homeowner's exemption, up 3.1% 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	$9,334.00 (+3.12%) Homeowner's exemption	$739,400 Land $189,400 Building $550,000	$739,400 Land $189,400 Building $550,000
2024	$9,052.00
2023		$687,300 Land $174,200 Building $513,100	$698,100
2022	$8,514.00

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

Flood

FEMA maps place 5398 Cobblestone Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2025 · rainfall accumulation

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 5398 Cobblestone Ct is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 60% of Iowa
Wildfire Likelihood	0.02% 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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
CenturyLink DSL · Fiber in parts of the area	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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