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109 E 2nd St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 109 E 2nd St, Cedar Falls, IA 50613 · Last verified June 2026

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details1,600 sqft · built 1899
Lot Size0.022 acres (960 sqft)
OwnerCompany Name on File
Last Sale$150,000 (Jul 2024)
Tax Bill$902 (2025)
Deeds & MortgagesAug 2024 Construction Loan
Flood ZoneZone X (minimal risk)
APN8914-12-252-002

Property Details

APN / Parcel Number

Primary APN8914-12-252-002

Interior

Stories2 Stories
Building Area1,600 sqft Gross Area
1st Floor Area929 sqft
Basement Area672 sqft
Unfinished Basement659 sqft
FlooringTile
Interior WallsPlaster

Exterior

Year BuiltBuilt 1899
Effective Year BuiltEffective 1899
Exterior MaterialBrick
Construction TypeConcrete Block
Fire ResistanceWood or Wood & Steel Frame
Roof MaterialRolled Roofing
Lot Area960 sqft (0.022 acres)
Lot Dimensions32 ft deep x 30 ft wide

Utilities, Heating & Cooling

Heating SystemFloor/Wall Furnace
Heating FuelGas

Location & Zoning

Street Address109 E 2ND ST
CityCEDAR FALLS
StateIA
Zip50613-3357
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal DescriptionORIGINAL PLAT CEDAR FALLS E 30 FT N 32 FT LOT 8 BLK 5
Legal Range14W
Legal Township89N
Legal Section12
Legal SubdivisionORIGINAL PLAT CEDAR FALLS
Legal Block5
Legal Lot Number8
JurisdictionBLACK HAWK IA
Township / Civil DivisionCEDAR FALLS
Census Block Group2
Census Block2000
Census Tract2200

Owner

Source: Black Hawk County records · APN 8914-12-252-002

Assessment roll updated 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 RecordCompany Name on File
Mailing Address109 E 2ND ST, CEDAR FALLS, IA 50613-3357
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 15, 2024 · Amount on Record
Deed SaleJul 15, 2024 · Amount on Record
Deed Document Number202417307
Record UpdatedSep 20, 2026

August 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Property Address109 E 2ND ST, CEDAR FALLS, IA 50613-3357
Transaction TypeMortgage
Record UpdatedOct 17, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address100 E 2ND ST 402, 402, CEDAR FALLS, IA 50613-1264

Mortgage

Document Number0202419478
DateAug 28, 2024
Instrument2024-19478
Lender
NameFIRST INTERSTATE BANK
TypeBank
Address205 W 2ND ST, CEDAR FALLS, IA 50613
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityCedar Falls City
Unified School DistrictCedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$902.00$101,540 (+93.78%) Land $16,560 Building $84,980$101,540 (+93.78%) Land $16,560 Building $84,980
2024$902.00
2023$52,400 (-2.67%) Land $16,560 Building $35,840$52,400 (-2.67%) Land $16,560 Building $35,840
2022$902.00 Homeowner's exemption$53,840 Land $12,490 Building $41,350
2021$53,840 Land $12,490 Building $41,350

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130022002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims5 (1993–2016)
Claims Outside the SFHA4 of 5
Most Recent ClaimSep 2016, rainfall accumulation, Severe Storms And Flooding
Claims By Storm
  • Severe Storms And Flooding, Sep 2016 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the Cedar Falls Downtown Historic District
listed 2017 · 42 contributing resources · NRIS 100001673

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 71 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cedar Falls Municipal Communications UtilityFiber10,000 / 10,000
Mediacom CommunicationsCable1,000 / 50
AT&TFixed Wireless100 / 20

May also be available at this address: Verizon, T-Mobile USA, LTD Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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