305 Cedar Dr, Gilbert, IA 50105 Property Records

Story County property record for 305 Cedar Dr, Gilbert, IA 50105

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,493 sqft · built 2021
Lot Size	0.275 acres (11,974 sqft)
Owner	2 Individual Names on File
Last Sale	$410,500 (Jul 2022)
Tax Bill	$4,828 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-09-405-020`

Property Details

APN / Parcel Number

Primary APN	`05-09-405-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,493 sqft Living Area
Basement Area	1,493 sqft
Unfinished Basement	1,493 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,974 sqft (0.275 acres)
Garage Type	Attached
Garage Area	635 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	23 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	305 CEDAR DR
City	GILBERT
State	IA
Zip	50105-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UPLAND TRAIL SD 1ST ADD LOT:3 GILBERT
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1022
Census Tract	103

Owner

305 Cedar Dr is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	305 CEDAR DR, GILBERT, IA 50105-2103
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
Jul 7, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GREENSTATE CU
Apr 29, 2021	Warranty Deed, Construction Loan · Commercial Mortgage COMMUNITY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2022 · Amount on File
Deed Sale	Jul 7, 2022 · Amount on File
Deed Document Number	20226665
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Jul 7, 2022
Property Address	305 CEDAR DR, GILBERT, IA 50105-2103
Document Number	0202206665
Instrument Date	Jun 29, 2022
Instrument	2022-06665
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$656.00
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	305 CEDAR DR, GILBERT, IA 50105-2103

Mortgage

Document Number	0202206666
Date	Jul 7, 2022
Instrument	2022-06666

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 5, 2029
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	5.25%
Index	1-Year CMT

April 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Apr 29, 2021
Property Address	305 CEDAR DR, GILBERT, IA 50105-2103
Document Number	0202105298
Instrument Date	Apr 23, 2021
Instrument	2021-05298
Transaction Type	Construction Loan
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Tax	$229.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2575 N ANKENY BLVD # 21, 21, ANKENY, IA 50023-4710
Investor	Possibly a Property Investor

Mortgage

Document Number	0202105299
Date	Apr 29, 2021
Instrument	2021-05299

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 305 Cedar Dr was $4,828 with a homeowner's exemption, up 18.7% 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	$4,828.00 (+18.68%) Homeowner's exemption	$411,940 Land $93,800 Building $318,140	$411,940 Land $93,800 Building $318,140
2024	$4,068.00
2023		$210,100 Land $85,700 Building $124,400	$396,760
2022	$2,748.00

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

Flood

FEMA maps place 305 Cedar Dr 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 305 Cedar Dr is low, with 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 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	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 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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