1015 Bluff St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1015 Bluff St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,748 sqft · built 1905
Lot Size	0.167 acres (7,260 sqft)
Owner	Individual Name on Record
Last Sale	$193,500 (Nov 2024)
Tax Bill	$2,874 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Nov 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8914-12-456-005`

Property Details

APN / Parcel Number

Primary APN	`8914-12-456-005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,748 sqft Living Area
1st Floor Area	592 sqft
Basement Area	796 sqft
Unfinished Basement	796 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Wood Siding
Construction Type	Frame
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	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	144 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1015 BLUFF ST
City	CEDAR FALLS
State	IA
Zip	50613-3327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E BROWNS SECOND ADDITION LOT 3 BLK 10 PACIFIC ADD N 26 FT LOT 488 AND THAT PART OF SW SE SEC 12 T 89 R 14 LYING S OF S LINE
Legal Range	14W
Legal Township	89N
Legal Section	12
Legal Subdivision	E BROWNS SECOND ADDITION
Legal Block	10
Legal Lot Number	3,488
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3029
Census Tract	2200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1015 BLUFF ST, CEDAR FALLS, IA 50613-3327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2019	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA CREDIT UNION
Nov 12, 2024	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Jun 20, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage UNIVERSITY OF IOWA CREDIT UNION
Jul 13, 2023	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CU
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage CEDAR FALLS COMMUNITY CU
Nov 5, 2018	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2024 · Amount on Record
Deed Sale	Nov 12, 2024 · Amount on Record
Prior Sale	Jun 20, 2019 · Amount on Record
Deed Document Number	202423200
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1015 BLUFF ST, CEDAR FALLS, IA 50613-3327
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900019226
Date	Jun 20, 2019
Instrument	201900019226

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Type Change Date	Jul 5, 2029
Index	1-Year CMT

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 12, 2024
Property Address	1015 BLUFF ST, CEDAR FALLS, IA 50613-3327
Document Number	0202423200
Instrument Date	Oct 14, 2024
Instrument	2024-23200
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 BLUFF ST, CEDAR FALLS, IA 50613-3327

Mortgage

Document Number	0202423201
Date	Nov 12, 2024
Instrument	2024-23201

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2054

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1015 BLUFF ST, CEDAR FALLS, IA 50613-3327
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900019227
Date	Jun 20, 2019
Instrument	201900019227

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2029

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1015 BLUFF ST, CEDAR FALLS, IA 50613-3327
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 BLUFF ST, CEDAR FALLS, IA 50613-3327

Mortgage

Document Number	202400000526
Date	Jul 13, 2023
Instrument	202400000526

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 1, 2048

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1015 BLUFF ST, CEDAR FALLS, IA 50613-3327
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100026059
Date	Jun 10, 2021
Instrument	202100026059

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1015 BLUFF ST, CEDAR FALLS, IA 50613-3327
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900007317
Date	Nov 5, 2018
Instrument	201900007317

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$2,874.00 (-0.42%) Homeowner's exemption	$202,410 (+6.74%) Land $40,430 Building $161,980	$202,410 (+6.74%) Land $40,430 Building $161,980
2024	$2,886.00 (+5.87%)
2023		$189,630 (+21.12%) Land $26,950 Building $162,680	$189,630 (+21.12%) Land $26,950 Building $162,680
2022	$2,726.00 Homeowner's exemption	$156,570 Land $26,950 Building $129,620
2021			$156,570 Land $26,950 Building $129,620

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

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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