207 2nd St, Gilbert, IA 50105 Property Records

Story County property record for 207 2nd St, Gilbert, IA 50105

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,983 sqft · built 1880
Lot Size	0.256 acres (11,172 sqft)
Owner	2 Individual Names on File
Last Sale	$169,000 (Dec 2020)
Tax Bill	$3,834 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-04-452-320`

Property Details

APN / Parcel Number

Primary APN	`05-04-452-320`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,983 sqft Living Area
1st Floor Area	776 sqft
Basement Area	776 sqft
Finished Basement	360 sqft
Unfinished Basement	416 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	11,172 sqft (0.256 acres)
Lot Dimensions	160 ft deep x 74.4 ft wide
Garage Type	Attached
Garage Area	530 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	22 sqft
Deck Area	105 sqft
Patio Area	105 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	207 2ND ST
City	GILBERT
State	IA
Zip	50105-7729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION:04 TOWNSHIP:84 RANGE:24 PARCEL J SL 2 L 1 SE 1/4 SLIDE 245 PG 1 GILBERT
Legal Range	24W
Legal Township	84N
Legal Section	04
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1015
Census Tract	103

Owner

207 2nd St is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	207 2ND ST, GILBERT, IA 50105-7729
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
Jan 29, 2024	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Dec 3, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2020 · Amount on File
Deed Sale	Dec 3, 2020 · Amount on File
Deed Document Number	202014432
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	207 2ND ST, GILBERT, IA 50105-7729
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 2ND ST, GILBERT, IA 50105-7729

Mortgage

Document Number	0202400477
Date	Jan 29, 2024
Instrument	2024-00477

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Feb 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Dec 3, 2020
Property Address	207 2ND ST, GILBERT, IA 50105-7729
Document Number	0202014432
Map Reference	DOC 05-07730
Instrument Date	Dec 1, 2020
Instrument	2020-14432
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$269.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 2ND ST, GILBERT, IA 50105-7729

Mortgage

Document Number	0202014433
Date	Dec 3, 2020
Instrument	2020-14433

Lender

Name	AMERICAN PACIFIC MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 207 2nd St was $3,834 with a homeowner's exemption, up 4.8% from the year before.

Source: Story County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Story County
Municipality	Gilbert City
Unified School District	Gilbert Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,834.00 (+4.81%) Homeowner's exemption	$230,600 Land $44,800 Building $185,800	$230,600 Land $44,800 Building $185,800
2024	$3,658.00
2023		$217,900 (+25.59%) Land $40,000 Building $177,900	$217,900 Land $40,000 Building $177,900
2022	$3,224.00 (+1.32%) Homeowner's exemption	$173,500 Land $33,600 Building $139,900
2021	$3,182.00		$173,500 Land $33,600 Building $139,900

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

Flood

FEMA maps place 207 2nd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 207 2nd St 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 98% of the US · lower than 82% 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	GILBERT WATER SUPPLY serves 1,211 people · EPA ID IA8531083
Water Source	Groundwater
Last State Inspection	Mar 2024
Also Mapped Here	XENIA RWD (BOONE)
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	31 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Verizon Fixed Wireless	300 / 20

May also be available: GigFire.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 2nd St

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