313 Cedar Dr, Gilbert, IA 50105 Property Records

Story County property record for 313 Cedar Dr, Gilbert, IA 50105

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,538 sqft · built 2024
Lot Size	0.275 acres (11,973 sqft)
Owner	2 Individual Names on File
Last Sale	$493,500 (Jan 2026)
Tax Bill	$8 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2024 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-09-405-040`

Property Details

APN / Parcel Number

Primary APN	`05-09-405-040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,538 sqft Living Area
Basement Area	1,538 sqft
Finished Basement	1,000 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,973 sqft (0.275 acres)
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	40 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	313 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:5 GILBERT
Legal Subdivision	UPLAND TRAIL SUBDIVISION 1ST ADD
Jurisdiction	STORY IA
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1022
Census Tract	103

Owner

Source: Story County assessment roll, as of September 30, 2025

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 File
Mailing Address	313 CEDAR DR, GILBERT, IA 50105-2103
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY STATE BANK
Jul 24, 2024	Deed of Trust, Mortgage · Construction Mortgage DLP BANK
Jan 27, 2026	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage VISIONBANK OF IOWA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 27, 2026 · Amount on Record
Deed Sale	Jan 27, 2026 · Amount on Record
Deed Document Number	2026694
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	313 CEDAR DR, GILBERT, IA 50105-2103
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0202105300
Date	Apr 29, 2021
Instrument	2021-05300

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	313 CEDAR DR, GILBERT, IA 50105-2103
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2575 N ANKENY BLVD 211, 211, ANKENY, IA 50023-4710
Investor	Possibly a Property Investor

Mortgage

Document Number	0202405204
Date	Jul 24, 2024
Instrument	2024-05204

Lender

Name	DLP BANK
Type	Bank
Address	ANKENY, IA 50023

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Jan 27, 2026
Property Address	313 CEDAR DR, GILBERT, IA 50105-2103
Document Number	0202600694
Instrument Date	Jan 16, 2026
Instrument	2026-00694
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$788.80
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	313 CEDAR DR, GILBERT, IA 50105-2103

Mortgage

Document Number	0202600695
Date	Jan 27, 2026
Instrument	2026-00695

Lender

Name	VISIONBANK OF IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

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	$8.00	$362,000 (+90,4%) Land $79,800 Building $282,200	$362,000 (+90,4%) Land $79,800 Building $282,200
2024	$8.00
2023		$400 Land $400	$400 Land $400
2022	$8.00

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	Low lower than 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 Holdings Fiber	5,120 / 5,120
Verizon Fixed Wireless	300 / 20
Lumen Technologies DSL · Fiber in parts of the area	100 / 100

May also be available: LTD Broadband.

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