209 Cedar Dr, Gilbert, IA 50105 Property Records

Story County property record for 209 Cedar Dr, Gilbert, IA 50105

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,645 sqft · built 2022
Lot Size	0.297 acres (12,937 sqft)
Owner	2 Individual Names on Record
Last Sale	$605,000 (Apr 2026)
Tax Bill	$10,104 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-09-410-080`

Property Details

APN / Parcel Number

Primary APN	`05-09-410-080`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,645 sqft Living Area
Basement Area	1,645 sqft
Finished Basement	1,500 sqft
Unfinished Basement	1,645 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,937 sqft (0.297 acres)
Garage Type	Attached
Garage Area	795 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	95 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	209 CEDAR DR
City	GILBERT
State	IA
Zip	50105-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UPLAND TRAIL SD 2ND ADD LOT:13 GILBERT
Legal Subdivision	UPLAND TRAIL SUBDIVISION
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1022
Census Tract	103

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	209 CEDAR DR, GILBERT, IA 50105-2101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Commercial Mortgage LEGACY BANK
Apr 14, 2026	Warranty Deed, Transfer · Conventional Mortgage GREATER IOWA CREDIT UNION
Apr 14, 2026	Warranty Deed, Transfer · Conventional Mortgage GREATER IOWA CREDIT UNION
Mar 17, 2023	Warranty Deed, Subdivision Related Transfer · Line of Credit WESTSIDE STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2026 · Amount on Record
Deed Sale	Apr 14, 2026 · Amount on Record
Prior Sale	Mar 17, 2023 · Amount on Record
Deed Document Number	20263009
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	209 CEDAR DR, GILBERT, IA 50105-2101
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0202206217
Date	Jun 27, 2022
Instrument	2022-06217

Lender

Name	LEGACY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	456 Months
Due	Jun 27, 2060

Interest

Rate Type	Adjustable Rate

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Apr 14, 2026
Property Address	209 CEDAR DR, GILBERT, IA 50105-2101
Document Number	0000003009
Instrument Date	Apr 12, 2026
Instrument	2026.3009
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97,687.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	209 CEDAR DR, GILBERT, IA 50105-2101

Mortgage

Document Number	0000003010,
Date	Apr 14, 2026
Instrument	2026..3010

Lender

Name	GREATER IOWA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Apr 14, 2026
Property Address	209 CEDAR DR, GILBERT, IA 50105-2101
Document Number	0202603009
Instrument Date	Apr 12, 2026
Instrument	20263009
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97,687.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	209 CEDAR DR, GILBERT, IA 50105-2101

Mortgage

Document Number	0000003010,
Date	Apr 14, 2026
Instrument	20263010

Lender

Name	GREATER IOWA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Mar 17, 2023
Property Address	209 CEDAR DR, GILBERT, IA 50105-2101
Document Number	0202301522
Instrument Date	Mar 16, 2023
Instrument	2023-01522
Transaction Type	Subdivision Related Transfer
Record Updated	May 18, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$943.20
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	209 CEDAR DR, GILBERT, IA 50105-2101

Mortgage

Document Number	0202301523
Date	Mar 17, 2023
Instrument	2023-01523

Lender

Name	WESTSIDE STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 17, 2028

Tax Assessment & Valuation

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	$10,104.00 (+2.21%) Homeowner's exemption	$589,900 (+3.22%) Land $91,400 Building $498,500	$589,900 (+3.22%) Land $91,400 Building $498,500
2024	$9,886.00 (+49,33%)
2023		$571,500 Land $83,500 Building $488,000	$571,500 Land $83,500 Building $488,000
2022	$20.00

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

Flood

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% 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 231 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
CenturyLink DSL · Fiber in parts of the area	100 / 100

May also be available: GigFire.

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