1012 Royal Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1012 Royal Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 948 sqft · built 1965
Lot Size	0.206 acres (8,960 sqft)
Owner	2 Individual Names on File
Last Sale	$208,000 (Aug 2023)
Tax Bill	$3,030 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-18-351-015`

Property Details

APN / Parcel Number

Primary APN	`8913-18-351-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	948 sqft Living Area
1st Floor Area	948 sqft
Basement Area	948 sqft
Finished Basement	450 sqft
Unfinished Basement	948 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,960 sqft (0.206 acres)
Lot Dimensions	140 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	115 sqft
Deck Area	Deck Area
Patio Area	377 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1012 ROYAL DR
City	CEDAR FALLS
State	IA
Zip	50613-4418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GUERNSEYS PARK SECOND ADDITION LOT 48
Legal Range	13W
Legal Township	89N
Legal Section	18
Legal Subdivision	GUERNSEYS PARK SECOND ADDITION
Legal Lot Number	48
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2011
Census Tract	2301

Owner

1012 Royal Dr is owned and occupied by two individuals who bought it in August 2023.

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	1012 ROYAL DR, CEDAR FALLS, IA 50613-4418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2023 · Amount on File
Deed Sale	Aug 12, 2023 · Amount on File
Prior Sale	Aug 12, 2022 · Amount on File
Deed Document Number	20232595
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 12, 2022
Property Address	1012 ROYAL DR, CEDAR FALLS, IA 50613-4418
Document Number	202300002595
Instrument Date	Aug 11, 2022
Instrument	202300002595
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$332.00
Amount Accuracy	Full Amount Stated
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	1012 ROYAL DR, CEDAR FALLS, IA 50613-4418

Mortgage

Document Number	202300002596
Date	Aug 12, 2022
Instrument	202300002596

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1012 ROYAL DR, CEDAR FALLS, IA 50613-4418
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100012835
Date	Dec 16, 2020
Instrument	202100012835

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1012 Royal Dr was $3,030, up 7.2% 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	$3,030.00 (+7.22%)	$201,870 Land $25,600 Building $176,270	$201,870 Land $25,600 Building $176,270
2024	$2,826.00
2023		$175,570 (+22.81%) Land $25,600 Building $149,970	$175,570 Land $25,600 Building $149,970
2022	$2,640.00	$142,960 Land $25,600 Building $117,360
2021			$142,960 Land $25,600 Building $117,360

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

Flood

FEMA maps place 1012 Royal Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 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

Wildfire risk around 1012 Royal Dr 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.

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 492 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cedar Falls Utilities Fiber	10,000 / 10,000
Nextlink Fixed Wireless	1,000 / 1,000
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.

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