628 Onyx St, Ames, IA 50010 Property Records

Story County property record for 628 Onyx St, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,515 sqft · built 2000
Lot Size	0.182 acres (7,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Dec 2024)
Tax Bill	$4,898 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-474-100`

Property Details

APN / Parcel Number

Primary APN	`09-14-474-100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,515 sqft Living Area
1st Floor Area	1,502 sqft
Basement Area	1,502 sqft
Finished Basement	1,254 sqft
Unfinished Basement	248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,930 sqft (0.182 acres)
Garage Type	Attached
Garage Area	453 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	249 sqft
Patio Area	158 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	628 ONYX ST
City	AMES
State	IA
Zip	50010-8400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	COUNTRY MEADOWS 1ST ADD LOT:1 AMES
Legal Range	24W
Legal Township	83N
Legal Section	14
Legal Subdivision	COUNTRY MEADOWS 1ST ADD
Legal Lot Number	1
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3014
Census Tract	1302

Owner

Source: Story County records, as of May 27, 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	628 ONYX ST, AMES, IA 50010-8400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2017	Deed of Trust, Mortgage · Line of Credit GREATER IOWA CU
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY CHOICE CU
Jul 27, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2024 · Amount on Record
Deed Sale	Dec 12, 2024 · Amount on Record
Prior Sale	Jul 20, 2018 · Amount on Record
Deed Document Number	20249202
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	628 ONYX ST, AMES, IA 50010-8400
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700009173
Date	Sep 7, 2017
Instrument	2017-00009173

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	628 ONYX ST, AMES, IA 50010-8400
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0202014334
Date	Dec 2, 2020
Instrument	2020-14334

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 18, 2040

Interest

Rate Type	Fixed Rate

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STORY IA
Recording Date	Jul 27, 2020
Property Address	628 ONYX ST, AMES, IA 50010-8400
Document Number	0202008311
Instrument Date	Jul 16, 2020
Instrument	2020-08311
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	628 ONYX ST, AMES, IA 50010-8400
Investor	Possibly a Property Investor

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	$4,898.00 Homeowner's exemption	$358,900 (+3.16%) Land $51,500 Building $307,400	$358,900 (+3.16%) Land $51,500 Building $307,400
2024	$4,898.00 (+10.71%)
2023		$347,900 Land $68,000 Building $279,900	$347,900 Land $68,000 Building $279,900
2022	$4,424.00

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
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 98% of the US · lower than 82% 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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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