707 Crystal St, Ames, IA 50010 Property Records

Story County property record for 707 Crystal St, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,259 sqft · built 1977
Lot Size	0.233 acres (10,140 sqft)
Owner	2 Individual Names on Record
Last Sale	$318,000 (Jan 2024)
Tax Bill	$4,596 (2025)
Deeds & Mortgages	Apr 2017 Mortgage May 2019 Refinance + 8 more
Flood Zone	Zone X (minimal risk)
APN	`09-14-475-060`

Property Details

APN / Parcel Number

Primary APN	`09-14-475-060`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,259 sqft Living Area
1st Floor Area	1,021 sqft
Basement Area	1,021 sqft
Finished Basement	920 sqft
Unfinished Basement	101 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Foyer
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,140 sqft (0.233 acres)
Lot Dimensions	130 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	535 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	439 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	707 CRYSTAL ST
City	AMES
State	IA
Zip	50010-8403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	COUNTRY GABLES 2ND ADD LOT:6 AMES
Legal Range	24W
Legal Township	83N
Legal Section	14
Legal Subdivision	COUNTRY GABLES 2ND ADD
Legal Lot Number	6
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2001
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	707 CRYSTAL ST, AMES, IA 50010-8403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2017	Deed of Trust, Mortgage LENNOX EMPLOYEES CU
May 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREATER IOWA CREDIT UNION
Mar 26, 2012	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK AMES IOWA
Jul 27, 2005	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Sep 14, 2010	Deed of Trust, Mortgage FIRST NATIONAL BANK AMES IOWA
Jul 27, 2005	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK AMES IOWA
Feb 26, 2025	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 10, 2024	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 3, 2023	Sheriff's Deed, Foreclosure
Aug 3, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST INTERNATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2024 · Amount on Record
Deed Sale	Jan 10, 2024 · Amount on Record
Prior Sale	Oct 3, 2023 · Amount on Record
Deed Document Number	2024198
Prior Transfer Date	Sep 23, 2010
Prior Transfer Doc	0000009200
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	707 CRYSTAL ST, AMES, IA 50010-8403
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201700003270
Date	Apr 13, 2017
Instrument	2017-00003270

Lender

Name	LENNOX EMPLOYEES CU
Type	Credit Union
Address	MARSHALLTOWN, IA 50158

Agreement

Amount	Amount Recorded
Term	83 Months
Due	Mar 2, 2024

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	707 CRYSTAL ST, AMES, IA 50010-8403
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201903479
Date	May 8, 2019
Instrument	2019-03479

Lender

Name	GREATER IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	707 CRYSTAL ST, AMES, IA 50010-8403
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201200003039
Date	Mar 26, 2012
Instrument	2012-00003039

Lender

Name	FIRST NATIONAL BANK AMES IOWA
Type	Bank
Address	AMES, IA 50010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	707 CRYSTAL ST, AMES, IA 50010-8403
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200500008969
Date	Jul 27, 2005
Instrument	2005-00008969

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	AMES, IA 50010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	707 CRYSTAL ST, AMES, IA 50010-8403
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201000008767
Date	Sep 14, 2010
Instrument	2010-00008767

Lender

Name	FIRST NATIONAL BANK AMES IOWA
Type	Bank
Address	AMES, IA 50010

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Sep 7, 2015

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	707 CRYSTAL ST, AMES, IA 50010-8403
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200500008967
Date	Jul 27, 2005
Instrument	2005-00008967

Lender

Name	FIRST NATIONAL BANK AMES IOWA
Type	Bank
Address	AMES, IA 50010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2035

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	707 CRYSTAL ST, AMES, IA 50010-8403
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 CRYSTAL ST, AMES, IA 50010-8403

Mortgage

Document Number	0202501282
Date	Feb 26, 2025
Instrument	2025-01282

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2054

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Jan 10, 2024
Property Address	707 CRYSTAL ST, AMES, IA 50010-8403
Document Number	0202400198
Instrument Date	Jan 3, 2024
Instrument	2024-00198
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	NOT AVAILABLE, ATS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$508.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale 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	707 CRYSTAL ST, AMES, IA 50010-8403

Mortgage

Document Number	0202400199
Date	Jan 10, 2024
Instrument	2024-00199

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

October 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	STORY IA
Recording Date	Oct 3, 2023
Property Address	707 CRYSTAL ST, AMES, IA 50010-8403
Document Number	0202307018
Instrument Date	Oct 3, 2023
Instrument	2023-07018
Transaction Type	Foreclosure
Record Updated	Nov 24, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 131, ALLEMAN, IA 50007-0131

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Aug 3, 2021
Property Address	707 CRYSTAL ST, AMES, IA 50010-8403
Document Number	0202109989
Instrument Date	Jul 30, 2021
Instrument	2021-09989
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$423.20
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	707 CRYSTAL ST, AMES, IA 50010-8403

Mortgage

Document Number	0202109990
Date	Aug 3, 2021
Instrument	2021-09990

Lender

Name	FIRST INTERNATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed 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	$4,596.00 (+19.25%) Homeowner's exemption	$345,100 (+25.08%) Land $65,900 Building $279,200	$345,100 (+25.08%) Land $65,900 Building $279,200
2024	$3,854.00 (+12.23%)
2023		$275,900 Land $51,000 Building $224,900	$275,900 Land $51,000 Building $224,900
2022	$3,434.00

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	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

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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