627 River Oak Dr, Ames, IA 50010 Property Records

Story County property record for 627 River Oak Dr, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,797 sqft · built 1957
Lot Size	0.27 acres (11,767 sqft)
Owner	2 Individual Names on File
Last Sale	$282,500 (Jun 2021)
Tax Bill	$5,000 (2025)
Deeds & Mortgages	May 2008 Mortgage Aug 2007 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-26-302-120`

Property Details

APN / Parcel Number

Primary APN	`05-26-302-120`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,797 sqft Living Area
1st Floor Area	1,617 sqft
Basement Area	1,617 sqft
Finished Basement	1,127 sqft
Unfinished Basement	490 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,767 sqft (0.27 acres)
Garage Type	Attached
Garage Area	963 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	627 RIVER OAK DR
City	AMES
State	IA
Zip	50010-4756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	OVERLAND HEIGHTS SD LOT:12 AMES
Legal Range	24W
Legal Township	84N
Legal Section	26
Legal Subdivision	OVERLAND HEIGHTS SD
Legal Lot Number	12
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1008
Census Tract	200

Owner

627 River Oak Dr is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	627 RIVER OAK DR, AMES, IA 50010-4756
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
May 5, 2008	Deed of Trust, Mortgage GREATER IOWA CU
Aug 16, 2007	Deed of Trust, Mortgage GREATER IOWA CU
Sep 2, 2011	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREATER IOWA CU
Oct 13, 2011	Deed of Trust, Mortgage · Conventional Mortgage GREATER IOWA CU
Jun 2, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2021 · Amount on File
Deed Sale	Jun 2, 2021 · Amount on File
Prior Sale	Jun 24, 2016 · Amount on File
Deed Document Number	20216955
Record Updated	Oct 29, 2026

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	627 RIVER OAK DR, AMES, IA 50010-4756
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200800004758
Date	May 5, 2008
Instrument	2008-00004758

Lender

Name	GREATER IOWA CU
Address	AMES, IA 50010

Agreement

Amount	Amount on Record
Term	47 Months
Due	Apr 1, 2012

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	627 RIVER OAK DR, AMES, IA 50010-4756
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200700009710
Date	Aug 16, 2007
Instrument	2007-00009710

Lender

Name	GREATER IOWA CU
Type	Non-Lending Institution
Address	AMES, IA 50010

Agreement

Amount	Amount on Record
Term	48 Months
Due	Aug 1, 2011

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	627 RIVER OAK DR, AMES, IA 50010-4756
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201100008423
Date	Sep 2, 2011
Instrument	2011-00008423

Lender

Name	GREATER IOWA CU
Address	AMES, IA 50010

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	35 Months
Due	Aug 1, 2014

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	627 RIVER OAK DR, AMES, IA 50010-4756
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201100010022
Date	Oct 13, 2011
Instrument	2011-00010022

Lender

Name	GREATER IOWA CU
Address	AMES, IA 50010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Jun 2, 2021
Property Address	627 RIVER OAK DR, AMES, IA 50010-4756
Document Number	0202106955
Instrument Date	May 25, 2021
Instrument	2021-06955
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$451.20
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	627 RIVER OAK DR, AMES, IA 50010-4756

Mortgage

Document Number	0202106956
Date	Jun 2, 2021
Instrument	2021-06956

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 627 River Oak Dr was $5,000, up 6.4% 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	$5,000.00 (+6.38%)	$363,600 Land $64,700 Building $298,900	$363,600 Land $64,700 Building $298,900
2024	$4,700.00
2023		$324,000 Land $57,700 Building $266,300	$324,000 Land $57,700 Building $266,300
2022	$3,884.00

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

Flood

FEMA maps place 627 River Oak Dr in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 627 River Oak Dr is low, with less than 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% 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	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 172 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: ICS Advanced Technologies, Nextlink.

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