230 Cedar Dr, Gilbert, IA 50105 Property Records

Story County property record for 230 Cedar Dr, Gilbert, IA 50105

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,531 sqft · built 2023
Lot Size	0.253 acres (11,024 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Jan 2024)
Tax Bill	$6,174 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jan 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-09-420-030`

Property Details

APN / Parcel Number

Primary APN	`05-09-420-030`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,531 sqft Living Area
Basement Area	1,531 sqft
Finished Basement	1,000 sqft
Unfinished Basement	1,531 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,024 sqft (0.253 acres)
Garage Type	Attached
Garage Area	631 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	23 sqft
Deck Area	132 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	230 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:21 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	230 CEDAR DR, GILBERT, IA 50105-2101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jan 8, 2024	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NORTHWEST BANK
Oct 6, 2023	Warranty Deed, Construction Loan · Construction Mortgage WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2024 · Amount on Record
Deed Sale	Jan 8, 2024 · Amount on Record
Prior Sale	Oct 6, 2023 · Amount on Record
Deed Document Number	2024171
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	230 CEDAR DR, GILBERT, IA 50105-2101
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 CEDAR DR, GILBERT, IA 50105-2101

Mortgage

Document Number	0202507722
Date	Sep 22, 2025
Instrument	2025-07722

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

January 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Jan 8, 2024
Property Address	230 CEDAR DR, GILBERT, IA 50105-2101
Document Number	0202400171
Instrument Date	Dec 19, 2023
Instrument	2024-00171
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 12, 2024
Title Company	NOT AVAILABLE, ATS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.20
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	230 CEDAR DR, GILBERT, IA 50105-2101

Mortgage

Document Number	0202400172
Date	Jan 8, 2024
Instrument	2024-00172

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

October 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Oct 6, 2023
Property Address	230 CEDAR DR, GILBERT, IA 50105-2101
Document Number	0202307104
Instrument Date	Sep 14, 2023
Instrument	2023-07104
Transaction Type	Construction Loan
Record Updated	Nov 24, 2023

Transaction

Amount	Amount Recorded
Tax	$122.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	750 SE ALICES RD, WAUKEE, IA 50263-9646

Mortgage

Document Number	0202307105
Date	Oct 6, 2023
Instrument	2023-07105

Lender

Name	WEST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 3, 2043

Interest

Rate Type	Adjustable Rate

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	$6,174.00 (-20.01%) Homeowner's exemption	$481,850 (+60,131.25%) Land $89,600 Building $392,250	$481,850 (+60,131.25%) Land $89,600 Building $392,250
2024	$7,718.00 (+48,137.5%)
2023		$800 Land $800	$800 Land $800
2022	$16.00

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

Flood

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	Not rated no burnable land within 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
CenturyLink Fiber	940 / 940
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Colo Telephone Company, Nextlink.

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