1286 Bertram St, Cedar Rapids, IA 52403 Property Records

Linn County property record for 1286 Bertram St, Cedar Rapids, IA 52403

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,016 sqft · built 1989
Lot Size	4.38 acres (191,228 sqft)
Owner	2 Individual Names on File
Last Sale	$705,000 (Jul 2021)
Tax Bill	$4,026 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15344-27004-00000`

Property Details

APN / Parcel Number

Primary APN	`15344-27004-00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,016 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	191,228 sqft
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	144 sqft
Patio Area	85 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1286 BERTRAM ST
City	CEDAR RAPIDS
State	IA
Zip	52403-9018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DENNIS NORTHLAND 1ST LOT 2
Legal Range	6W
Legal Township	83N
Legal Section	34
Legal Subdivision	DENNIS NORTHLAND 1ST
Legal Lot Number	2
Jurisdiction	LINN IA
Township / Civil Division	BERTRAM
Census Block Group	2
Census Block	2038
Census Tract	10500

Owner

1286 Bertram St is owned and occupied by two individuals who bought it in July 2021.

Source: Linn County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1286 BERTRAM ST, CEDAR RAPIDS, IA 52403-9018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2021 · Amount on File
Deed Sale	Jul 23, 2021 · Amount on File
Deed Book / Page	11090 / 278
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINN IA
Recording Date	Jul 23, 2021
Property Address	1286 BERTRAM ST, CEDAR RAPIDS, IA 52403-9018
Document Number	0011090278
Book / Page	11090 / 278
Instrument Date	Jun 22, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,127.20
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	1286 BERTRAM ST, CEDAR RAPIDS, IA 52403-9018

Mortgage

Document Number	0011090280
Date	Jul 23, 2021
Instrument	11090/280

Lender

Name	CBI BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.12%
Index	1-Year CMT
Max Rate	8.12%

Tax Assessment & Valuation

The 2025 property tax bill for 1286 Bertram St was $4,026.

Source: Linn County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Bertram City
County	Linn County
Unified School District	Cedar Rapids Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$310,900 (-4.13%) Land $40,200 Building $270,700	$310,900 (-4.13%) Land $40,200 Building $270,700
2025	$4,026.00 Additional exemption filed	$324,300 Land $53,600 Building $270,700	$324,300 Land $53,600 Building $270,700
2024	$4,026.00
2023		$312,700 Land $57,000 Building $255,700	$312,700 Land $57,000 Building $255,700
2022	$3,944.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1286 Bertram St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective May 31, 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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	9 (2008–2016)
Claims Outside the SFHA	8 of 9
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 7 claims Severe Storms, Tornadoes, And Flooding, May 2013 · 2 claims

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 1286 Bertram St is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · above 86% of Iowa
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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