5399 Oneil Dr, Ames, IA 50010 Property Records

Story County property record for 5399 Oneil Dr, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 945 sqft · built 1973
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,780 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-160-170`

Property Details

APN / Parcel Number

Primary APN	`05-23-160-170`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	945 sqft Living Area
1st Floor Area	945 sqft
Basement Area	945 sqft
Finished Basement	920 sqft
Unfinished Basement	25 sqft
Game Room	Game Room
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Attached
Garage Area	656 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	328 sqft
Deck Area	166 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5399 ONEIL DR
City	AMES
State	IA
Zip	50010-9228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1, RESID
Legal Description	OAK HILL HEIGHTS SD LOT:1
Legal Range	24W
Legal Township	84N
Legal Section	23
Legal Subdivision	OAK HILL HEIGHTS SD
Legal Lot Number	1
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1045
Census Tract	101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	5399 ONEIL DR, AMES, IA 50010-9228
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2017	Deed of Trust, Mortgage · Line of Credit GREATER IOWA CU
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREATER IOWA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 13, 2011
Transfer Doc	0000001070
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	5399 ONEIL DR, AMES, IA 50010-9228
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700001042
Date	Feb 3, 2017
Instrument	2017-00001042

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 2, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	5399 ONEIL DR, AMES, IA 50010-9228
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202004625
Date	May 11, 2020
Instrument	2020-04625

Lender

Name	GREATER IOWA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$3,780.00 (-0.53%)	$290,700 (+2.29%) Land $112,600 Building $178,100	$290,700 (+2.29%) Land $112,600 Building $178,100
2024	$3,800.00 (+21.1%)
2023		$284,200 Land $112,500 Building $171,700	$284,200 Land $112,500 Building $171,700
2022	$3,138.00

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
Nearest Special Flood Hazard Area	Zone A, 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 71% 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Nextlink.

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