728 Garnet Dr, Ames, IA 50010 Property Records

Story County property record for 728 Garnet Dr, Ames, IA 50010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,387 sqft · built 1970
Lot Size	0.166 acres (7,241 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Mar 2023)
Tax Bill	$2,850 (2025)
Deeds & Mortgages	Aug 2013 Mortgage Apr 2007 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-23-230-180`

Property Details

APN / Parcel Number

Primary APN	`09-23-230-180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,387 sqft Living Area
1st Floor Area	768 sqft
Basement Area	768 sqft
Finished Basement	619 sqft
Unfinished Basement	149 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,241 sqft (0.166 acres)
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	728 GARNET DR
City	AMES
State	IA
Zip	50010-8419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	F-PRD
Legal Description	MEADOW VILLAGE SD LOT:68 AMES
Legal Range	24W
Legal Township	83N
Legal Section	23
Legal Subdivision	MEADOW VILLAGE
Legal Lot Number	68
Jurisdiction	STORY IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3023
Census Tract	1302

Owner

728 Garnet Dr is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	728 GARNET DR, AMES, IA 50010-8419
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
Aug 22, 2013	Deed of Trust, Mortgage · Conventional Mortgage IOWA BANKERS MORTGAGE CORP
Apr 6, 2007	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Mar 13, 2023	Warranty Deed, Transfer · Conventional Mortgage VISION BANK OF IOWA
Aug 18, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2023 · Amount on File
Deed Sale	Mar 13, 2023 · Amount on File
Prior Sale	Aug 18, 2020 · Amount on File
Deed Document Number	20231385
Record Updated	Oct 29, 2026

August 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	728 GARNET DR, AMES, IA 50010-8419
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201300010274
Date	Aug 22, 2013
Instrument	2013-00010274

Lender

Name	IOWA BANKERS MORTGAGE CORP
Address	JOHNSTON, IA 50131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2043

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	728 GARNET DR, AMES, IA 50010-8419
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200700003308
Date	Apr 6, 2007
Instrument	2007-00003308

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	AMES, IA 50010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2037

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Mar 13, 2023
Property Address	728 GARNET DR, AMES, IA 50010-8419
Document Number	0202301385
Instrument Date	Mar 10, 2023
Instrument	2023-01385
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	$351.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 GARNET DR, AMES, IA 50010-8419

Mortgage

Document Number	0202301386
Date	Mar 13, 2023
Instrument	2023-01386

Lender

Name	VISION BANK OF IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Aug 18, 2020
Property Address	728 GARNET DR, AMES, IA 50010-8419
Document Number	0202009417
Instrument Date	Jul 28, 2020
Instrument	2020-09417
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 GARNET DR, AMES, IA 50010-8419

Mortgage

Document Number	0202009418
Date	Aug 18, 2020
Instrument	2020-09418

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 728 Garnet Dr was $2,850, up 4.3% 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	$2,850.00 (+4.32%)	$207,200 Land $47,100 Building $160,100	$207,200 Land $47,100 Building $160,100
2024	$2,732.00
2023		$188,300 Land $33,600 Building $154,700	$188,300 Land $33,600 Building $154,700

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

Flood

FEMA maps place 728 Garnet 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	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

Wildfire risk around 728 Garnet 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 99.8% of the US · lower than 98.1% 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 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

Nearby Properties on Garnet Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures