Black Hawk County property record for 1016 W 3rd St, Cedar Falls, IA 50613
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,482 sqft · built 1937 |
| Lot Size | 0.224 acres (9,768 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (Feb 2019) |
| Tax Bill | $2,554 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8914-11-283-002 |
| Primary APN | 8914-11-283-002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,482 sqft Living Area |
| 1st Floor Area | 1,022 sqft |
| Attic | Attic |
| Attic Area | 460 sqft |
| Basement Area | 1,022 sqft |
| Finished Basement | 325 sqft |
| Unfinished Basement | 1,022 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,768 sqft (0.224 acres) |
| Lot Dimensions | 132 ft deep x 74 ft wide |
| Garage Type | Mixed |
| Garage Area | 520 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1016 W 3RD ST |
|---|---|
| City | CEDAR FALLS |
| State | IA |
| Zip | 50613-2237 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A MULLARKYS ADDITION LOT 8 BLK 7 W 1/2 OF ALLEY ABUTTING LOT 8 |
| Legal Range | 14W |
| Legal Township | 89N |
| Legal Section | 11 |
| Legal Subdivision | A MULLARKYS ADDITION |
| Legal Block | 7 |
| Legal Lot Number | 8 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | CEDAR FALLS |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 2200 |
Source: Black Hawk County assessment roll, APN 8914-11-283-002, as of October 17, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1016 W 3RD ST, CEDAR FALLS, IA 50613-2237 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Jan 05, 2026 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Feb 11, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage VERIDIAN CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 11, 2019 · Amount on Record |
| Deed Sale | Feb 11, 2019 · Amount on Record |
| Deed Document Number | 201912267 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1016 W 3RD ST, CEDAR FALLS, IA 50613-2237 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Title Company | BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T |
| Name | Verified Name |
|---|
| Document Number | 202000020708 |
|---|---|
| Date | May 27, 2020 |
| Instrument | 202000020708 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jan 05, 2026 |
| Property Address | 1016 W 3RD ST, CEDAR FALLS, IA 50613-2237 |
| Document Number | 0202600096 |
| Instrument Date | Jan 02, 2025 |
| Instrument | 2026-00096 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $316.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1016 W 3RD ST, CEDAR FALLS, IA 50613-2237 |
| Document Number | 0202600097 |
|---|---|
| Date | Jan 05, 2026 |
| Instrument | 2026-00097 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.25% |
| Index | 1-Year CMT |
| Max Rate | 11.2% |
| Document Number | 0202600098 |
|---|---|
| Date | Jan 05, 2026 |
| Instrument | 2026-00098 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | 1827 ANSBOROUGH AVE, WATERLOO, IA 50701 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Feb 01, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Feb 11, 2019 |
| Property Address | 1016 W 3RD ST, CEDAR FALLS, IA 50613-2237 |
| Document Number | 201900012267 |
| Instrument Date | Feb 08, 2019 |
| Instrument | 201900012267 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1016 W 3RD ST, CEDAR FALLS, IA 50613-2237 |
| Investor | Possibly a Property Investor |
| Document Number | 201900012268 |
|---|---|
| Date | Feb 11, 2019 |
| Instrument | 201900012268 |
| Name | VERIDIAN CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2049 |
Source: Black Hawk County assessment roll as of October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Cedar Falls City |
| Unified School District | Cedar Falls Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,554.00 Homeowner's exemption | $200,990 (+13.31%) Land $50,760 Building $150,230 | $200,990 (+13.31%) Land $50,760 Building $150,230 |
| 2024 | $2,554.00 (+8.5%) | ||
| 2023 | $177,380 (+26.86%) Land $32,630 Building $144,750 | $177,380 (+26.86%) Land $32,630 Building $144,750 | |
| 2022 | $2,354.00 Homeowner's exemption | $139,820 Land $32,630 Building $107,190 | |
| 2021 | $139,820 Land $32,630 Building $107,190 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), as of September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130022002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 | 4 in force |
| Nearby Flood Claims | 5 (1993–2016) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, 554 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cedar Falls Municipal Communications Utility Fiber | 10,000 / 10,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group.
Source: EPA Safe Drinking Water Information System, water system IA0709084, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CEDAR FALLS MUNICIPAL WATER UTILITIES serves 40,713 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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