640 Garnet Dr, Ames, IA 50010 Property Records

Story County property record for 640 Garnet Dr, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 937 sqft · built 1973
Lot Size	0.17 acres (7,425 sqft)
Owner	2 Individual Names on Record
Last Sale	$293,000 (Apr 2024)
Tax Bill	$3,604 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-23-230-070`

Property Details

APN / Parcel Number

Primary APN	`09-23-230-070`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	937 sqft Living Area
1st Floor Area	937 sqft
Basement Area	937 sqft
Finished Basement	937 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,425 sqft (0.17 acres)
Lot Dimensions	135 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	186 sqft
Patio Area	280 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	640 GARNET DR
City	AMES
State	IA
Zip	50010-8417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	MEADOW VILLAGE ADD PHASE II LOT:115 AMES
Legal Range	24W
Legal Township	83N
Legal Section	23
Legal Subdivision	MEADOW VILLAGE ADD PHASE II
Legal Lot Number	115
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	640 GARNET DR, AMES, IA 50010-8417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Warranty Deed, Transfer · Conventional Mortgage MIDWESTONE BANK
Nov 8, 2019	Deed of Trust, Mortgage · VA Mortgage BANKERS TRUST COMPANY NA
Aug 17, 2018	Warranty Deed, Transfer · VA Mortgage BANKERS TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2024 · Amount on Record
Deed Sale	Apr 16, 2024 · Amount on Record
Prior Sale	Aug 17, 2018 · Amount on Record
Deed Document Number	20242315
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Apr 16, 2024
Property Address	640 GARNET DR, AMES, IA 50010-8417
Document Number	0202402315
Instrument Date	Apr 10, 2024
Instrument	2024-02315
Transaction Type	Transfer
Record Updated	May 13, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$468.00
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	640 GARNET DR, AMES, IA 50010-8417

Mortgage

Document Number	0202402316
Date	Apr 16, 2024
Instrument	2024-02316

Lender

Name	MIDWESTONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	640 GARNET DR, AMES, IA 50010-8417
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201910661
Date	Nov 8, 2019
Instrument	2019-10661

Lender

Name	BANKERS TRUST COMPANY NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Aug 17, 2018
Property Address	640 GARNET DR, AMES, IA 50010-8417
Document Number	0201807683
Instrument Date	Aug 9, 2018
Instrument	2018-07683
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	640 GARNET DR, AMES, IA 50010-8417

Mortgage

Document Number	0201807684
Date	Aug 17, 2018
Instrument	2018-07684

Lender

Name	BANKERS TRUST CO
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

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	$3,604.00 (+12%) Homeowner's exemption	$273,000 (+17.62%) Land $48,300 Building $224,700	$273,000 (+17.62%) Land $48,300 Building $224,700
2024	$3,218.00 (+31.13%)
2023		$232,100 Land $39,500 Building $192,600	$232,100 Land $39,500 Building $192,600
2022	$2,454.00

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 500 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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