1010 Bluff St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1010 Bluff St, Cedar Falls, IA 50613

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 1,967 sqft · built 1890
Lot Size	0.167 acres (7,260 sqft)
Owner	Company Name on Record
Last Sale	$330,000 (Jul 2026)
Tax Bill	$2,544 (2025)
Deeds & Mortgages	Jul 2026 Sale Sep 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8914-12-457-010`

Property Details

APN / Parcel Number

Primary APN	`8914-12-457-010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,967 sqft Total Area
1st Floor Area	868 sqft
Basement Area	1,078 sqft
Unfinished Basement	1,078 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,260 sqft (0.167 acres)
Lot Dimensions	132 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	173 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1010 BLUFF ST
City	CEDAR FALLS
State	IA
Zip	50613-3328
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	E BROWNS SECOND ADDITION N 55 FT LOT 5 BLK 7
Legal Range	14W
Legal Township	89N
Legal Section	12
Legal Subdivision	E BROWNS SECOND ADDITION
Legal Block	7
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3030
Census Tract	2200

Owner

Source: Black Hawk County records, as of October 9, 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	Company Name on Record
Mailing Address	126 WILLOWOOD DR, HIAWATHA, IA 52233-4702
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 16, 2021	Warranty Deed, Transfer · Line of Credit FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Prior Sale	Sep 16, 2022 · Amount on Record
Deed Document Number	202610433
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 13, 2026
Property Address	1010 BLUFF ST, CEDAR FALLS, IA 50613-3328
Document Number	0000010433
Instrument Date	Jul 8, 2026
Instrument	202610433
Transaction Type	Transfer
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$53,247.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	126 WILLOWOOD DR, HIAWATHA, IA 52233-4702

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 16, 2021
Property Address	1010 BLUFF ST, CEDAR FALLS, IA 50613-3328
Document Number	202200005985
Instrument Date	Sep 10, 2021
Instrument	202200005985
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$503.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 SHERIDAN RD, WATERLOO, IA 50701-4945

Mortgage

Document Number	202200005986
Date	Sep 16, 2021
Instrument	202200005986

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2051

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Cedar Falls City
Unified School District	Cedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,544.00 (+1.35%)	$169,500 (+5.35%) Land $40,430 Building $129,070	$169,500 (+5.35%) Land $40,430 Building $129,070
2024	$2,510.00 (+6.09%)
2023		$160,890 (+25.58%) Land $26,950 Building $133,940	$160,890 (+25.58%) Land $26,950 Building $133,940
2022	$2,366.00	$128,120 Land $26,950 Building $101,170
2021			$128,120 Land $26,950 Building $101,170

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 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	Severe Storms And Flooding, Sep 2016 · 3 claims Severe Storms, Flooding, And Tornadoes, May 1999 · 3 claims Severe Storms & Flooding, Aug 1993 · 4 claims

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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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