208 2nd St, Gilbert, IA 50105 Property Records

Story County property record for 208 2nd St, Gilbert, IA 50105

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,897 sqft · built 1900
Lot Size	0.218 acres (9,513 sqft)
Owner	Individual Name on File
Last Sale	$136,500 (Sep 2015)
Tax Bill	$2,956 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-04-460-350`

Property Details

APN / Parcel Number

Primary APN	`05-04-460-350`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,897 sqft Living Area
1st Floor Area	643 sqft
Basement Area	642 sqft
Unfinished Basement	642 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1937
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,513 sqft (0.218 acres)
Lot Dimensions	151 ft deep x 63 ft wide
Garage Type	Detached
Garage Area	1,036 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	18 sqft
Deck Area	30 sqft
Patio Area	286 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	208 2ND ST
City	GILBERT
State	IA
Zip	50105-7728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCFARLAN'S ADD LOT:4 GILBERT
Legal Range	24W
Legal Township	84N
Legal Section	04
Legal Subdivision	MCFARLAN'S ADD
Legal Lot Number	4
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1031
Census Tract	103

Owner

208 2nd St is owned and occupied by an individual who bought it in September 2015.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 240, GILBERT, IA 50105-0240
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
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Apr 4, 2019	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2015 · Amount on File
Deed Sale	Sep 25, 2015 · Amount on File
Deed Document Number	20159368
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Recording Date	Jun 17, 2026
Property Address	208 2ND ST, GILBERT, IA 50105-7728
Document Number	0000005260
Instrument Date	Jun 12, 2026
Instrument	20265260
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 2ND ST, GILBERT, IA 50105-7728

Mortgage

Document Number	0000005260,
Date	Jun 17, 2026
Instrument	20265260

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	208 2ND ST, GILBERT, IA 50105-7728
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201902345
Date	Apr 4, 2019
Instrument	2019-02345

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 208 2nd St was $2,956 with a homeowner's exemption, up 5.6% 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	$2,956.00 (+5.65%) Homeowner's exemption	$180,300 Land $38,600 Building $141,700	$180,300 Land $38,600 Building $141,700
2024	$2,798.00
2023		$169,100 Land $34,400 Building $134,700	$169,100 Land $34,400 Building $134,700
2022	$2,492.00

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

Flood

FEMA maps place 208 2nd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 208 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 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	Under 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	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 72 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, Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 2nd St

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