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402 2nd St, Cambridge, IA 50046 Property Records

Story County property record for 402 2nd St, Cambridge, IA 50046

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,074 sqft · built 1880
Lot Size0.261 acres (11,360 sqft)
Owner2 Individual Names on Record
Last Sale$140,000 (Aug 2019)
Tax Bill$2,778 (2025)
Deeds & MortgagesAug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN14-21-408-100

Property Details

APN / Parcel Number

Primary APN14-21-408-100

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,074 sqft Living Area
1st Floor Area760 sqft
AtticAttic
Attic Area266 sqft
Basement Area760 sqft
Unfinished Basement760 sqft
Game RoomGame Room
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Architectural StyleA-Frame
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialFiberglass
Lot Area11,360 sqft (0.261 acres)
Lot Dimensions142 ft deep x 80 ft wide
Garage TypeDetached
Garage Area900 sqft
Parking Spaces4 Parking Spaces
PorchSlab
Porch Area221 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address402 2ND ST
CityCAMBRIDGE
StateIA
Zip50046-7765
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionO T W80' LOTS 2 & 3 BLK 31
Legal Range23W
Legal Township82N
Legal Section21
Legal SubdivisionORIGINAL TOWN
Legal Block31
Legal Lot Number2,3
JurisdictionSTORY IA
Township / Civil DivisionUNION
Census Block Group2
Census Block2072
Census Tract10102

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address402 2ND ST, CAMBRIDGE, IA 50046-7765
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 29, 2019 · Amount on Record
Deed SaleAug 29, 2019 · Amount on Record
Deed Document Number20197927
Record UpdatedOct 29, 2026

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTORY IA
Recording DateAug 29, 2019
Property Address402 2ND ST, CAMBRIDGE, IA 50046-7765
Document Number0201907927
Instrument DateAug 28, 2019
Instrument2019-07927
Transaction TypeTransfer
Record UpdatedOct 10, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address402 2ND ST, CAMBRIDGE, IA 50046-7765
InvestorPossibly a Property Investor

Mortgage

Document Number0201907929
DateAug 29, 2019
Instrument2019-07929
Lender
NameIOWA FINANCE AUTHORITY
Agreement
TypeSecond Mortgage (Down Payment)
AmountAmount Recorded

Mortgage

Document Number0201907928
DateAug 29, 2019
Instrument2019-07928
Lender
NameIOWA BANKERS MORTGAGE CORPORATION
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIowa
MunicipalityCambridge City
CountyStory County
Unified School DistrictBallard Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,778.00 (+5.15%) Homeowner's exemption$182,600 (+10.6%) Land $40,000 Building $142,600$182,600 (+10.6%) Land $40,000 Building $142,600
2024$2,642.00 (+5.18%)
2023$165,100 Land $30,000 Building $135,100$165,100 Land $30,000 Building $135,100
2022$2,512.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 82% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemCAMBRIDGE WATER SUPPLY
serves 832 people · EPA ID IA8509069
Water SourceGroundwater
Last State InspectionJun 2025
Lead2 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 232 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Windstream
Fiber · DSL in parts of the area		2,000 / 2,000
Huxley Communications Cooperative
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 2nd St

Nearby Streets

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