310 Cedar Dr, Gilbert, IA 50105 Property Records

Story County property record for 310 Cedar Dr, Gilbert, IA 50105

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,498 sqft · built 2021
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$505,000 (Apr 2026)
Tax Bill	$6,962 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-09-415-080`

Property Details

APN / Parcel Number

Primary APN	`05-09-415-080`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,498 sqft Living Area
Basement Area	1,498 sqft
Finished Basement	1,135 sqft
Unfinished Basement	1,498 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
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Attached
Garage Area	641 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	162 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	310 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:22 GILBERT
Legal Subdivision	UPLAND TRAIL SUBDIVISION FIRST ADDITION
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1022
Census Tract	103

Owner

Source: Story County records, as of October 13, 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	310 CEDAR DR, GILBERT, IA 50105-2103
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY STATE BANK
Nov 5, 2025	Deed of Trust, Mortgage SOUTH STORY BANK & TRUST
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK N A
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK N A
Nov 2, 2021	Quit Claim Deed, Subdivision Related Transfer · Conventional Mortgage SOUTH STORY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	Nov 2, 2021 · Amount on Record
Deed Document Number	20262911
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	310 CEDAR DR, GILBERT, IA 50105-2103
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202014706
Date	Dec 9, 2020
Instrument	2020-14706

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	310 CEDAR DR, GILBERT, IA 50105-2103
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202509343
Date	Nov 5, 2025
Instrument	2025-09343

Lender

Name	SOUTH STORY BANK & TRUST
Type	Bank
Address	HUXLEY, IA 50124

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 31, 2045

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Apr 10, 2026
Property Address	310 CEDAR DR, GILBERT, IA 50105-2103
Document Number	0000002911
Instrument Date	Apr 6, 2026
Instrument	2026.2911
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81,527.20
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	310 CEDAR DR, GILBERT, IA 50105-2103

Mortgage

Document Number	0000002912,
Date	Apr 10, 2026
Instrument	2026..2912

Lender

Name	JPMORGAN CHASE BANK N A

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 10, 2026
Property Address	310 CEDAR DR, GILBERT, IA 50105-2103
Document Number	0202602911
Instrument Date	Apr 6, 2026
Instrument	2026.2911
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81,527.20
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	310 CEDAR DR, GILBERT, IA 50105-2103

Mortgage

Document Number	0000002912,
Date	Apr 10, 2026
Instrument	2026.2912

Lender

Name	JPMORGAN CHASE BANK N A

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%

November 2021: Quit Claim Deed, Subdivision Related Transfer

Document Type	Quit Claim Deed
Jurisdiction	STORY IA
Recording Date	Nov 2, 2021
Property Address	310 CEDAR DR, GILBERT, IA 50105-2103
Document Number	0202113943
Instrument Date	Oct 27, 2021
Instrument	2021-13943
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	$725.50
Amount Accuracy	Rounded by County
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	310 CEDAR DR, GILBERT, IA 50105-2103

Mortgage

Document Number	0202113944
Date	Nov 2, 2021
Instrument	2021-13944

Lender

Name	SOUTH STORY BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed 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	$6,962.00 (+12.98%) Homeowner's exemption	$500,640 (+51.8%) Land $109,300 Building $391,340	$500,640 (+4.04%) Land $109,300 Building $391,340
2024	$6,162.00 (+53.9%)
2023		$329,800 Land $98,000 Building $231,800	$481,200
2022	$4,004.00

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	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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