644 Garnet Dr, Ames, IA 50010 Property Records

Story County property record for 644 Garnet Dr, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 1,248 sqft · built 1975
Lot Size	0.17 acres (7,425 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,524 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-23-230-080`

Property Details

APN / Parcel Number

Primary APN	`09-23-230-080`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Finished Basement	874 sqft
Unfinished Basement	374 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
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	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	644 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:116 AMES
Legal Range	24W
Legal Township	83N
Legal Section	23
Legal Subdivision	MEADOW VILLAGE ADD PHASE II
Legal Lot Number	116
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	644 GARNET DR, AMES, IA 50010-8417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit AVAILA BANK
Mar 6, 2023	Deed of Trust, Mortgage · Line of Credit RACCOON VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Recording Date	Apr 21, 2026
Property Address	644 GARNET DR, AMES, IA 50010-8417
Document Number	0000003344
Instrument Date	Apr 13, 2026
Instrument	20263344
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 GARNET DR, AMES, IA 50010-8417

Mortgage

Document Number	0000003344,
Date	Apr 21, 2026
Instrument	20263344

Lender

Name	AVAILA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 17, 2036

Interest

Rate	6.11%
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	644 GARNET DR, AMES, IA 50010-8417
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202301227
Date	Mar 6, 2023
Instrument	2023-01227

Lender

Name	RACCOON VALLEY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$3,524.00 (+8.23%) Homeowner's exemption	$267,200 (+13.85%) Land $48,300 Building $218,900	$267,200 (+13.85%) Land $48,300 Building $218,900
2024	$3,256.00 (+14.33%)
2023		$234,700 Land $44,500 Building $190,200	$234,700 Land $44,500 Building $190,200
2022	$2,848.00

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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