306 2nd St, Gilbert, IA 50105 Property Records

Story County property record for 306 2nd St, Gilbert, IA 50105

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 1,876 sqft · built 2021
Lot Size	0.494 acres (21,531 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,370 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-04-394-160`

Property Details

APN / Parcel Number

Primary APN	`05-04-394-160`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,876 sqft Living Area
Basement Area	1,876 sqft
Finished Basement	1,570 sqft
Unfinished Basement	1,876 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,531 sqft (0.494 acres)
Garage Type	Attached
Garage Area	1,024 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	84 sqft
Deck Area	512 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	306 2ND ST
City	GILBERT
State	IA
Zip	50105-7730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHEPARD'S 2ND ADD LOT 1 BLK 1 & LOTS 4 & 5 SE SW 4-84-24
Legal Subdivision	C D SHEPHARD'S 2ND ADD
Legal Block	1
Legal Lot Number	1,4-5
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1013
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	212 1ST ST, GILBERT, IA 50105-7700
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL STATE BANK
Sep 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK
Sep 17, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	306 2ND ST, GILBERT, IA 50105-7730
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202115007
Date	Dec 1, 2021
Instrument	2021-15007

Lender

Name	CENTRAL STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 22, 2051

Interest

Rate Type	Adjustable Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	306 2ND ST, GILBERT, IA 50105-7730
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202209031
Date	Sep 9, 2022
Instrument	2022-09031

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STORY IA
Recording Date	Sep 17, 2020
Property Address	306 2ND ST, GILBERT, IA 50105-7730
Document Number	0202010837
Instrument Date	Sep 3, 2020
Instrument	2020-10837
Transaction Type	Transfer
Record Updated	Nov 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 1ST ST, GILBERT, IA 50105-7700

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	$7,370.00 (-20.6%) Homeowner's exemption	$559,850 (+4.22%) Land $70,800 Building $489,050	$559,850 (+4.22%) Land $70,800 Building $489,050
2024	$9,282.00 (+1,302.11%)
2023		$537,200 Land $63,100 Building $474,100	$537,200 Land $63,100 Building $474,100
2022	$662.00

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	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 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.

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