1021 W 8th St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1021 W 8th St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 952 sqft · built 1950
Lot Size	0.182 acres (7,920 sqft)
Owner	2 Individual Names on File
Last Sale	$52,500 (Nov 2007)
Tax Bill	$1,356 (2025)
Deeds & Mortgages	Sep 2026 Reverse Mortgage Feb 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-11-428-011`

Property Details

APN / Parcel Number

Primary APN	`8914-11-428-011`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	952 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	A-Frame
Exterior Material	Aluminum Siding
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	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1021 W 8TH ST
City	CEDAR FALLS
State	IA
Zip	50613-2441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST JOHNS ADDITION LOT 10 BLK 2
Legal Range	14W
Legal Township	89N
Legal Section	11
Legal Subdivision	ST JOHNS ADDITION
Legal Block	2
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	5
Census Block	5008
Census Tract	2200

Owner

1021 W 8th St is owned and occupied by two individuals who acquired it in September 2026.

Source: Black Hawk County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1021 W 8TH ST, CEDAR FALLS, IA 50613-2441
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
Sep 2, 2026	Affidavit, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Feb 24, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Mar 31, 2020	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2007 · Amount on File
Deed Sale	Nov 8, 2007 · Amount on File
Deed Document Number	20072008009976
Last Transfer Date	Sep 1, 2026
Transfer Doc	0000013292
Record Updated	Oct 29, 2026

September 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 2, 2026
Property Address	1021 W 8TH ST, CEDAR FALLS, IA 50613-2441
Document Number	0000013292
Instrument Date	Sep 1, 2026
Instrument	202613292
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 W 8TH ST, CEDAR FALLS, IA 50613-2441

Mortgage

Document Number	0000013293,
Date	Sep 2, 2026
Instrument	202613293

Lender

Name	FINANCE OF AMERICA REVERSE LLC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	663 Months
Due	Dec 10, 2081

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0000013294,
Date	Sep 2, 2026
Instrument	202613294

Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	663 Months
Due	Dec 10, 2081

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1021 W 8TH ST, CEDAR FALLS, IA 50613-2441
Transaction Type	Mortgage
Record Updated	Mar 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 W 8TH ST, CEDAR FALLS, IA 50613-2441

Mortgage

Document Number	202200017040
Date	Feb 24, 2022
Instrument	202200017040

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 5, 2032

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1021 W 8TH ST, CEDAR FALLS, IA 50613-2441
Transaction Type	Mortgage
Record Updated	Jul 10, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000016911
Date	Mar 31, 2020
Instrument	202000016911

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Apr 5, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1021 W 8th St was $1,356 with a homeowner's exemption, down 33.3% 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	$1,356.00 (-33.33%) Homeowner's exemption	$171,480 Land $41,160 Building $130,320	$171,480 Land $41,160 Building $130,320
2024	$2,034.00
2023		$150,270 (+21.99%) Land $26,460 Building $123,810	$150,270 Land $26,460 Building $123,810
2022	$2,110.00 Homeowner's exemption	$123,180 Land $26,460 Building $96,720
2021			$123,180 Land $26,460 Building $96,720

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

Flood

FEMA maps place 1021 W 8th 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 1021 W 8th 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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