5423 Oak Ln, Ames, IA 50014 Property Records

Story County property record for 5423 Oak Ln, Ames, IA 50014

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,955 sqft · built 1989
Lot Size	0.98 acres (42,689 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Aug 2024)
Tax Bill	$7,952 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-19-250-175`

Property Details

APN / Parcel Number

Primary APN	`05-19-250-175`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	4 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,955 sqft Living Area
1st Floor Area	1,237 sqft
Basement Area	1,585 sqft
Finished Basement	1,048 sqft
Unfinished Basement	537 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	A-Frame
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	42,689 sqft (0.98 acres)
Garage Type	Attached
Garage Area	1,755 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	50 sqft
Deck Area	192 sqft
Patio Area	993 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5423 OAK LN
City	AMES
State	IA
Zip	50014-9362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1, RESID
Legal Description	HICKORY HILLS SD LOT:16
Legal Range	24W
Legal Township	84N
Legal Section	19
Legal Subdivision	HICKORY HILLS SD
Legal Lot Number	16
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1008
Census Tract	104

Owner

5423 Oak Ln is owned and occupied by two individuals who bought it in August 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	5423 OAK LN, AMES, IA 50014-9362
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Aug 7, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK AMES IOWA
Nov 30, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2024 · Amount on File
Deed Sale	Aug 7, 2024 · Amount on File
Deed Document Number	20245620
Prior Transfer Date	Nov 14, 2023
Prior Transfer Doc	0202308490
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	5423 OAK LN, AMES, IA 50014-9362
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202108702
Date	Jul 7, 2021
Instrument	2021-08702

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	96 Months
Due	Jul 1, 2029

Interest

Rate Type	Fixed Rate

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Aug 7, 2024
Property Address	5423 OAK LN, AMES, IA 50014-9362
Document Number	0202405620
Instrument Date	Aug 6, 2024
Instrument	2024-05620
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	$999.20
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	5423 OAK LN, AMES, IA 50014-9362

Mortgage

Document Number	0202405623
Date	Aug 7, 2024
Instrument	2024-05623

Lender

Name	FIRST NATIONAL BANK AMES IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2039

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STORY IA
Recording Date	Nov 30, 2023
Property Address	5423 OAK LN, AMES, IA 50014-9362
Document Number	0202308490
Instrument Date	Nov 14, 2023
Instrument	2023-08490
Transaction Type	Transfer
Record Updated	Sep 30, 2025

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	Living Trust
Address	5423 OAK LN, AMES, IA 50014-9362

Tax Assessment & Valuation

The 2025 property tax bill for 5423 Oak Ln was $7,952 with a homeowner's exemption, up 6.4% 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	$7,952.00 (+6.42%) Homeowner's exemption	$611,500 Land $175,500 Building $436,000	$611,500 Land $175,500 Building $436,000
2024	$7,472.00
2023		$569,100 Land $155,300 Building $413,800	$569,100 Land $155,300 Building $413,800
2022	$6,796.00

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

Flood

FEMA maps place 5423 Oak Ln 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 5423 Oak Ln 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 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.02% 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	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 (outdoors only) and 4G LTE

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