104 E 21st St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 104 E 21st St, Cedar Falls, IA 50613

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 1,716 sqft · built 1972
Lot Size	0.256 acres (11,154 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Oct 2013)
Tax Bill	$4,014 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-13-402-008`

Property Details

APN / Parcel Number

Primary APN	`8914-13-402-008`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,716 sqft Total Area
1st Floor Area	1,716 sqft
Basement Area	1,716 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	11,154 sqft (0.256 acres)
Lot Dimensions	132 ft deep x 86 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	Deck Area
Patio Area	72 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	104 E 21ST ST
City	CEDAR FALLS
State	IA
Zip	50613-4205
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	GALLOWAY ADDITION CEDAR FALLS LOT 22
Legal Range	14W
Legal Township	89N
Legal Section	13
Legal Subdivision	GALLOWAY ADDITION CEDAR FALLS
Legal Lot Number	22
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2007
Census Tract	2301

Owner

104 E 21st St, a duplex, is owned and occupied by an individual who bought it in October 2013.

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

Owner of Record	Individual Name on File
Mailing Address	104 E 21ST ST, CEDAR FALLS, IA 50613-4205
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
May 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FARMERS STATE BANK
Nov 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2013 · Amount on File
Deed Sale	Oct 7, 2013 · Amount on File
Deed Document Number	20132014007749
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	104 E 21ST ST, CEDAR FALLS, IA 50613-4205
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300015215
Date	May 15, 2023
Instrument	202300015215

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	May 15, 2028

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	104 E 21ST ST, CEDAR FALLS, IA 50613-4205
Transaction Type	Mortgage
Record Updated	Feb 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800008047
Date	Nov 7, 2017
Instrument	2018-00008047

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	96 Months
Due	Nov 7, 2025

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	104 E 21ST ST, CEDAR FALLS, IA 50613-4205
Transaction Type	Mortgage
Record Updated	Feb 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100015100
Date	Jan 19, 2021
Instrument	202100015100

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 104 E 21st St was $4,014 with a homeowner's exemption, up 11.2% 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	$4,014.00 (+11.19%) Homeowner's exemption	$278,330 Land $33,320 Building $245,010	$278,330 Land $33,320 Building $245,010
2024	$3,610.00
2023		$234,580 (+27.66%) Land $33,320 Building $201,260	$234,580 Land $33,320 Building $201,260
2022	$3,228.00 Homeowner's exemption	$183,750 Land $33,320 Building $150,430
2021			$183,750 Land $33,320 Building $150,430

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

Flood

FEMA maps place 104 E 21st St 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

The area around 104 E 21st St has no burnable land within ember reach, so its wildfire risk is not rated.

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 232 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

May also be available: GigFire, Nextlink.

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