620 Garnet Dr, Ames, IA 50010 Property Records

Story County property record for 620 Garnet Dr, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,519 sqft · built 1977
Lot Size	0.593 acres (25,852 sqft)
Owner	2 Individual Names on Record
Last Sale	$211,000 (Feb 2019)
Tax Bill	$4,466 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-23-230-030`

Property Details

APN / Parcel Number

Primary APN	`09-23-230-030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,519 sqft Living Area
1st Floor Area	1,393 sqft
Basement Area	1,393 sqft
Finished Basement	567 sqft
Unfinished Basement	637 sqft
Game Room	Game Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,852 sqft (0.593 acres)
Garage Type	Attached
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces
Deck Area	294 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	620 GARNET DR
City	AMES
State	IA
Zip	50010-8417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	SOUTHDALE 2ND ADD LOT:20 AMES
Legal Range	24W
Legal Township	83N
Legal Section	23
Legal Subdivision	SOUTHDALE 2ND ADD
Legal Lot Number	20
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3023
Census Tract	1302

Owner

Source: Story County records, as of September 1, 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	609 GARDEN RD, AMES, IA 50010-8525
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage RIVER VALLEY FCU
Mar 26, 2021	Deed, Transfer · Conventional Mortgage RIVER VALLEY FCU
Apr 26, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2019 · Amount on Record
Deed Sale	Feb 19, 2019 · Amount on Record
Deed Document Number	20191174
Last Transfer Date	Mar 26, 2021
Transfer Doc	202103725
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	620 GARNET DR, AMES, IA 50010-8417
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202103726
Date	Mar 26, 2021
Instrument	2021-03726

Lender

Name	RIVER VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	STORY IA
Recording Date	Mar 26, 2021
Property Address	620 GARNET DR, AMES, IA 50010-8417
Document Number	202103725
Instrument Date	Mar 26, 2021
Instrument	2021-03725
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
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	609 GARDEN RD, AMES, IA 50010-8525

Mortgage

Document Number	202103726
Date	Mar 26, 2021
Instrument	2021-03726

Lender

Name	RIVER VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Apr 26, 2021
Property Address	620 GARNET DR, AMES, IA 50010-8417
Document Number	202105133
Instrument Date	Mar 26, 2021
Instrument	2021-05133
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 GARDEN RD, AMES, IA 50010-8525

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	$4,466.00 (+8.98%)	$324,700 (+14.94%) Land $71,000 Building $253,700	$324,700 (+14.94%) Land $71,000 Building $253,700
2024	$4,098.00 (+7.96%)
2023		$282,500 Land $56,400 Building $226,100	$282,500 Land $56,400 Building $226,100
2022	$3,796.00

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 94% of the US · lower than 65% 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	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 352 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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