623 Crystal St, Ames, IA 50010 Property Records

Story County property record for 623 Crystal St, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,640 sqft · built 1977
Lot Size	0.227 acres (9,880 sqft)
Owner	Individual Name on File
Last Sale	$189,000 (Nov 2016)
Tax Bill	$4,118 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-14-475-020`

Property Details

APN / Parcel Number

Primary APN	`09-14-475-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,640 sqft Living Area
1st Floor Area	1,118 sqft
Basement Area	1,118 sqft
Finished Basement	522 sqft
Unfinished Basement	596 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	Concrete Block
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,880 sqft (0.227 acres)
Lot Dimensions	130 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	358 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	576 sqft
Porch	Slab
Deck Area	203 sqft
Patio Area	203 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	623 CRYSTAL ST
City	AMES
State	IA
Zip	50010-8401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	COUNTRY GABLES 2ND ADD LOT:2 AMES
Legal Range	24W
Legal Township	83N
Legal Section	14
Legal Subdivision	COUNTRY GABLES 2ND ADD
Legal Lot Number	2
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2001
Census Tract	1302

Owner

623 Crystal St is owned and occupied by an individual who bought it in November 2016.

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

Owner of Record	Individual Name on File
Mailing Address	623 CRYSTAL ST, AMES, IA 50010-8401
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
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST CLASS COMMUNITY CREDIT UNION
Jul 18, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage PREMIER LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2016 · Amount on File
Deed Sale	Nov 30, 2016 · Amount on File
Prior Sale	Jul 16, 2008 · Amount on File
Deed Document Number	201611960
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Recording Date	Apr 30, 2026
Property Address	623 CRYSTAL ST, AMES, IA 50010-8401
Document Number	0000003656
Instrument Date	Apr 30, 2026
Instrument	20263656
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CRYSTAL ST, AMES, IA 50010-8401

Mortgage

Document Number	0000003656,
Date	Apr 30, 2026
Instrument	20263656

Lender

Name	FIRST CLASS COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 15, 2036

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Jul 18, 2019
Property Address	623 CRYSTAL ST, AMES, IA 50010-8401
Document Number	0201906131
Instrument Date	Jul 15, 2019
Instrument	2019-06131
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CRYSTAL ST, AMES, IA 50010-8401

Mortgage

Document Number	0201906132
Date	Jul 18, 2019
Instrument	2019-06132

Lender

Name	PREMIER LENDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 623 Crystal St was $4,118 with a homeowner's exemption, up 12.1% from the year before.

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	$4,118.00 (+12.15%) Homeowner's exemption	$310,300 Land $64,200 Building $246,100	$310,300 Land $64,200 Building $246,100
2024	$3,672.00
2023		$263,300 Land $48,800 Building $214,500	$263,300 Land $48,800 Building $214,500
2022	$3,134.00

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

Flood

FEMA maps place 623 Crystal St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1979–1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding

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 623 Crystal St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	0.01% 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 164 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
Verizon Fixed Wireless	300 / 20

May also be available: ICS Advanced Technologies.

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