1012 W 7th St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1012 W 7th St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,220 sqft · built 1954
Lot Size	0.182 acres (7,920 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jun 2024)
Tax Bill	$3,350 (2025)
Deeds & Mortgages	Jun 2024 Sale & Mortgage Sep 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8914-11-428-004`

Property Details

APN / Parcel Number

Primary APN	`8914-11-428-004`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,220 sqft Living Area
1st Floor Area	900 sqft
Basement Area	900 sqft
Finished Basement	725 sqft
Unfinished Basement	900 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,920 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	196 sqft
Patio Area	192 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1012 W 7TH ST
City	CEDAR FALLS
State	IA
Zip	50613-2435
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST JOHNS ADDITION LOT 5 BLK 2
Legal Range	14W
Legal Township	89N
Legal Section	11
Legal Subdivision	ST JOHNS ADDITION
Legal Block	2
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	5
Census Block	5008
Census Tract	2200

Owner

1012 W 7th St is owned and occupied by an individual who bought it in June 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1012 W 7TH ST, CEDAR FALLS, IA 50613-2435
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
Jun 27, 2024	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Sep 8, 2021	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Jul 24, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2024 · Amount on File
Deed Sale	Jun 27, 2024 · Amount on File
Prior Sale	Oct 4, 2016 · Amount on File
Deed Document Number	202416528
Record Updated	Oct 29, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 27, 2024
Property Address	1012 W 7TH ST, CEDAR FALLS, IA 50613-2435
Document Number	202400016528
Instrument Date	Jun 27, 2024
Instrument	202400016528
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 W 7TH ST, CEDAR FALLS, IA 50613-2435

Mortgage

Document Number	0202416529
Date	Jun 27, 2024
Instrument	2024-16529

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1012 W 7TH ST, CEDAR FALLS, IA 50613-2435
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 W 7TH ST, CEDAR FALLS, IA 50613-2435

Mortgage

Document Number	202200005389
Date	Sep 8, 2021
Instrument	202200005389

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1012 W 7TH ST, CEDAR FALLS, IA 50613-2435
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200002108
Date	Jul 27, 2021
Instrument	202200002108

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

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

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 24, 2020
Property Address	1012 W 7TH ST, CEDAR FALLS, IA 50613-2435
Document Number	202100001927
Instrument Date	Jul 8, 2020
Instrument	202100001927
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 W 7TH ST, CEDAR FALLS, IA 50613-2435

Mortgage

Document Number	202100001928
Date	Jul 24, 2020
Instrument	202100001928

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Aug 5, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9.62%
Index	1-Year CMT
Max Rate	9.62%

Mortgage

Document Number	202100001929
Date	Jul 24, 2020
Instrument	202100001929

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 5, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 1012 W 7th St was $3,350, up 5.4% 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	$3,350.00 (+5.41%)	$223,230 Land $41,160 Building $182,070	$223,230 Land $41,160 Building $182,070
2024	$3,178.00
2023		$197,500 (+25.2%) Land $26,460 Building $171,040	$197,500 Land $26,460 Building $171,040
2022	$2,748.00 Homeowner's exemption	$157,750 Land $26,460 Building $131,290
2021			$157,750 Land $26,460 Building $131,290

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

Flood

FEMA maps place 1012 W 7th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 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

Wildfire risk around 1012 W 7th St 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 99.8% of the US · lower than 98.1% 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 554 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
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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