Story County property record for 403 Joy Cir, Gilbert, IA 50105
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,270 sqft · built 1967 |
| Lot Size | 0.207 acres (9,026 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,000 (Jul 2015) |
| Tax Bill | $4,136 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-09-295-110 |
| Primary APN | 05-09-295-110 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,270 sqft Living Area |
| 1st Floor Area | 1,102 sqft |
| Basement Area | 1,102 sqft |
| Finished Basement | 766 sqft |
| Unfinished Basement | 336 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | A-Frame |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,026 sqft (0.207 acres) |
| Lot Dimensions | 122 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | Deck Area |
| Patio Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 403 JOY CIR |
|---|---|
| City | GILBERT |
| State | IA |
| Zip | 50105-1003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRAIRIE VIEW 2ND ADD LOT:19 GILBERT |
| Legal Range | 24W |
| Legal Township | 84N |
| Legal Section | 09 |
| Legal Subdivision | PRAIRIE VIEW 2ND ADD |
| Legal Lot Number | 19 |
| Jurisdiction | STORY IA |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 103 |
403 Joy Cir is owned and occupied by two individuals who bought it in July 2015.
Source: Story County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 JOY CIR, GILBERT, IA 50105-1003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2015 · Amount on File |
| Deed Sale | Jul 8, 2015 · Amount on File |
| Prior Sale | Dec 2, 2009 · Amount on File |
| Deed Document Number | 20156318 |
| Prior Transfer Date | Jun 6, 2008 |
| Prior Transfer Doc | 0000006652 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STORY IA |
| Property Address | 403 JOY CIR, GILBERT, IA 50105-1003 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0202107202 |
|---|---|
| Date | Jun 8, 2021 |
| Instrument | 2021-07202 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 403 Joy Cir was $4,136 with a homeowner's exemption, up 7% from the year before.
Source: Story County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Story County |
| Municipality | Gilbert City |
| Unified School District | Gilbert Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,136.00 (+7.04%) Homeowner's exemption | $247,900 Land $74,100 Building $173,800 | $247,900 Land $74,100 Building $173,800 |
| 2024 | $3,864.00 | ||
| 2023 | $234,500 Land $64,600 Building $169,900 | $234,500 Land $64,600 Building $169,900 | |
| 2022 | $3,636.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Joy Cir in Zone X, an area of minimal flood risk.
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 risk around 403 Joy Cir is low, with less than a 0.01% annual chance of 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 60 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: Colo Telephone Company, GigFire, Nextlink.
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