317 Cedar Dr, Gilbert, IA 50105 Property Records

Story County property record for 317 Cedar Dr, Gilbert, IA 50105

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 1,496 sqft · built 2021
Lot Size	0.327 acres (14,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$418,000 (Sep 2021)
Tax Bill	$6,896 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-09-405-050`

Property Details

APN / Parcel Number

Primary APN	`05-09-405-050`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,496 sqft Living Area
Basement Area	1,496 sqft
Finished Basement	1,375 sqft
Unfinished Basement	1,496 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	14,229 sqft (0.327 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	28 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	317 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:6 GILBERT
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	317 CEDAR DR, GILBERT, IA 50105-2103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY STATE BANK
Sep 27, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LAND HOME FINANCIAL SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2021 · Amount on Record
Deed Sale	Sep 27, 2021 · Amount on Record
Deed Document Number	202112372
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STORY IA
Property Address	317 CEDAR DR, GILBERT, IA 50105-2103
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202014707
Date	Dec 9, 2020
Instrument	2020-14707

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STORY IA
Recording Date	Sep 27, 2021
Property Address	317 CEDAR DR, GILBERT, IA 50105-2103
Document Number	0202112372
Instrument Date	Sep 16, 2021
Instrument	2021-12372
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$655.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 CEDAR DR, GILBERT, IA 50105-2103

Mortgage

Document Number	0202112373
Date	Sep 27, 2021
Instrument	2021-12373

Lender

Name	LAND HOME FINANCIAL SVCS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$6,896.00 (+12.17%) Homeowner's exemption	$492,500 (+49.02%) Land $107,800 Building $384,700	$492,500 (+3.79%) Land $107,800 Building $384,700
2024	$6,148.00 (+58.37%)
2023		$330,500 Land $98,400 Building $232,100	$474,500
2022	$3,882.00

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 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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