Guthrie County property record for 820 N Division St, Stuart, IA 50250
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,538 sqft · built 1920 |
| Lot Size | 1.23 acres (53,578 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Dec 2015) |
| Tax Bill | $2,788 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Dec 2021 Mortgage |
| APN | 0001386500 |
| Primary APN | 0001386500 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,538 sqft Living Area |
| 1st Floor Area | 1,382 sqft |
| Basement Area | 1,036 sqft |
| Unfinished Basement | 987 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 53,578 sqft (1.23 acres) |
| Garage Type | Detached |
| Garage Area | 884 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 820 N DIVISION ST |
|---|---|
| City | STUART |
| State | IA |
| Zip | 50250-2042 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12 E 1/2 BLOCK KENWTHYS NORTH BLK 12 |
| Legal Subdivision | KENWORTHYS NORTH ADDITION |
| Legal Block | 12 |
| Jurisdiction | GUTHRIE IA |
| Township / Civil Division | STUART |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 950300 |
820 N Division St is owned and occupied by two individuals who bought it in December 2015.
Source: Guthrie County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 820 N DIVISION ST, STUART, IA 50250-2042 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2026 | Deed of Trust, Mortgage · Line of Credit COMMUNITY CHOICE CREDIT UNION |
| Dec 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2015 · Amount on File |
| Deed Sale | Dec 10, 2015 · Amount on File |
| Deed Document Number | 20152799 |
| Deed Book / Page | 2015 / 2799 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Recording Date | Aug 27, 2026 |
| Property Address | 820 N DIVISION ST, STUART, IA 50250-2042 |
| Document Number | 0000002200 |
| Instrument Date | Aug 27, 2026 |
| Instrument | 20262200 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 820 N DIVISION ST, STUART, IA 50250-2042 |
| Document Number | 0000002200, |
|---|---|
| Date | Aug 27, 2026 |
| Instrument | 20262200 |
| Name | COMMUNITY CHOICE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GUTHRIE IA |
| Property Address | 820 N DIVISION ST, STUART, IA 50250-2042 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020214039 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 2021-4039 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2052 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 820 N Division St was $2,788, up 3% from the year before.
Source: Guthrie County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Guthrie County |
| Municipality | Stuart City |
| Unified School District | West Central Valley Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $177,200 (-) Land $36,700 Building $140,500 | $177,200 (-) Land $36,700 Building $140,500 | |
| 2025 | $2,788.00 (+3.03%) | $177,200 Land $36,700 Building $140,500 | $177,200 Land $36,700 Building $140,500 |
| 2024 | $2,706.00 | ||
| 2023 | $158,300 (+29.65%) Land $17,700 Building $140,600 | $158,300 Land $17,700 Building $140,600 | |
| 2022 | $2,372.00 | $122,100 Land $17,700 Building $104,400 | |
| 2021 | $122,100 Land $17,700 Building $104,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA's flood maps do not cover 820 N Division St; there have been 1 flood claim nearby since 1998.
Source: FEMA National Flood Hazard Layer, effective April 4, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not included in the FIRM |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1998) |
| Most Recent Claim | Jun 1998 · Severe Storms, Tornadoes And 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 risk around 820 N Division St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 62% of Iowa |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | STUART WATER SUPPLY serves 1,814 people · EPA ID IA0180001 |
|---|---|
| Water Source | Purchased surface water from XENIA RWD (DES MOINES) |
| Last State Inspection | Jan 2024 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| CenturyLink DSL | 140 / 20 |
May also be available: Coon Valley Co-op Telephone Association, Nextlink, Verizon.
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