1010 State St, Cedar Falls, IA 50613 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,400 sqft · built 1920
Lot Size	0.133 acres (5,808 sqft)
Owner	2 Individual Names on File
Last Sale	$207,500 (Aug 2024)
Tax Bill	$2,808 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-12-456-011`

Property Details

APN / Parcel Number

Primary APN	`8914-12-456-011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,400 sqft Living Area
1st Floor Area	700 sqft
Basement Area	350 sqft
Unfinished Basement	350 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,808 sqft (0.133 acres)
Lot Dimensions	132 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	200 sqft
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1010 STATE ST
City	CEDAR FALLS
State	IA
Zip	50613-3354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E BROWNS SECOND ADDITION S 44 FT LOT 5 BLK 10
Legal Range	14W
Legal Township	89N
Legal Section	12
Legal Subdivision	E BROWNS SECOND ADDITION
Legal Block	10
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3029
Census Tract	2200

Owner

1010 State St is owned and occupied by two individuals who bought it in August 2024.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1010 STATE ST, CEDAR FALLS, IA 50613-3354
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Nov 8, 2021	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
May 31, 2019	Warranty Deed, Transfer · FHA Mortgage PREMIER LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2024 · Amount on File
Deed Sale	Aug 1, 2024 · Amount on File
Prior Sale	Aug 1, 2023 · Amount on File
Deed Document Number	20241485
Prior Transfer Date	Dec 15, 2016
Prior Transfer Doc	201700011363
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 1, 2023
Property Address	1010 STATE ST, CEDAR FALLS, IA 50613-3354
Document Number	202400001485
Instrument Date	Jul 26, 2023
Instrument	202400001485
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$331.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1010 STATE ST, CEDAR FALLS, IA 50613-3354

Mortgage

Document Number	202400001486
Date	Aug 1, 2023
Instrument	202400001486

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1010 STATE ST, CEDAR FALLS, IA 50613-3354
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 STATE ST, CEDAR FALLS, IA 50613-3354

Mortgage

Document Number	202200009812
Date	Nov 8, 2021
Instrument	202200009812

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Jun 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 31, 2019
Property Address	1010 STATE ST, CEDAR FALLS, IA 50613-3354
Document Number	201900018082
Instrument Date	May 24, 2019
Instrument	201900018082
Transaction Type	Transfer
Record Updated	Jun 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 STATE ST, CEDAR FALLS, IA 50613-3354

Mortgage

Document Number	201900018083
Date	May 31, 2019
Instrument	201900018083

Lender

Name	PREMIER LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1010 State St was $2,808, down 1.2% from the year before.

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	$2,808.00 (-1.2%)	$187,080 Land $32,340 Building $154,740	$187,080 Land $32,340 Building $154,740
2024	$2,842.00
2023		$172,950 (+27.19%) Land $21,560 Building $151,390	$172,950 Land $21,560 Building $151,390
2022	$2,510.00	$135,980 Land $21,560 Building $114,420
2021			$135,980 Land $21,560 Building $114,420

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1010 State 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	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

The area around 1010 State 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.

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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