Black Hawk County property record for 1004 Bluff St, Cedar Falls, IA 50613
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,080 sqft · built 1898 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,094 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8914-12-457-001 |
| Primary APN | 8914-12-457-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,080 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 156 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1004 BLUFF ST |
|---|---|
| City | CEDAR FALLS |
| State | IA |
| Zip | 50613-3328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E BROWNS SECOND ADDITION LOT 6 BLK 7 |
| Legal Range | 14W |
| Legal Township | 89N |
| Legal Section | 12 |
| Legal Subdivision | E BROWNS SECOND ADDITION |
| Legal Block | 7 |
| Legal Lot Number | 6 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | CEDAR FALLS |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 2200 |
1004 Bluff St is owned and occupied by two individuals.
Source: Black Hawk 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1004 BLUFF ST, CEDAR FALLS, IA 50613-3328 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1004 Bluff St was $3,094 with a homeowner's exemption, up 0.2% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Cedar Falls City |
| Unified School District | Cedar Falls Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,094.00 (+0.19%) Homeowner's exemption | $231,650 Land $48,510 Building $183,140 | $231,650 Land $48,510 Building $183,140 |
| 2024 | $3,088.00 | ||
| 2023 | $215,880 (+20.85%) Land $32,340 Building $183,540 | $215,880 Land $32,340 Building $183,540 | |
| 2022 | $3,134.00 Homeowner's exemption | $178,640 Land $32,340 Building $146,300 | |
| 2021 | $178,640 Land $32,340 Building $146,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1004 Bluff St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1990.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 14 (1990–2016) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 1004 Bluff St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CEDAR FALLS MUNICIPAL WATER UTILITIES serves 40,713 people · EPA ID IA0709084 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 201 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cedar Falls Utilities Fiber | 10,000 / 10,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: GigFire, Nextlink.
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