1108 E Main St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1108 E Main St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 800 sqft · built 1920
Lot Size	0.258 acres (11,248 sqft)
Owner	2 Individual Names on Record
Last Sale	$108,000 (Mar 2026)
Tax Bill	$930 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Jul 2022 Second Mortgage + 6 more
Flood Zone	Zone AE (high risk)
APN	`8913-06-308-004`

Property Details

APN / Parcel Number

Primary APN	`8913-06-308-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	400 sqft
Basement Area	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,248 sqft (0.258 acres)
Lot Dimensions	152 ft deep x 74 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	15 sqft
Deck Area	467 sqft
Patio Area	467 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	1108 E MAIN ST
City	CEDAR FALLS
State	IA
Zip	50613-3239
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR CITY LOT 5 BLK 7 AND 20 FT OF MAIN ST ADJ ON S AND 8 1/4 FT OF ALLEY ADJ ON E
Legal Range	13W
Legal Township	89N
Legal Section	06
Legal Subdivision	CEDAR CITY
Legal Block	7
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3022
Census Tract	2604

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	2 Individual Names on Record
Mailing Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2017	Deed of Trust, Mortgage VERIDIAN CU
Jul 14, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Mar 24, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Sep 1, 2009	Deed of Trust, Mortgage JOHN A DUTCHER UTUX
Mar 24, 2026	Legal Action/Court Order, Foreclosure · Conventional Mortgage GREENSTATE CU
Aug 14, 2009	Warranty Deed, Transfer
Jul 24, 2008	Contract Sale, Transfer
Jul 9, 2008	Joint Tenancy Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Prior Sale	Aug 14, 2009 · Amount on Record
Deed Document Number	20263784
Prior Transfer Date	Mar 25, 1974
Prior Transfer Doc	2009000646
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201800003406
Date	Aug 24, 2017
Instrument	2018-00003406

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2027

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239

Mortgage

Document Number	202300000781
Date	Jul 14, 2022
Instrument	202300000781

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2032

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202603786
Date	Mar 24, 2026
Instrument	2026-03786

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	2355 LANDON RD, NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2036

September 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2010004594
Date	Sep 1, 2009
Instrument	2010004594

Lender

Name	JOHN A DUTCHER UTUX
Type	Private Party

Agreement

Amount	Amount Recorded
Term	82 Months
Due	Jul 1, 2016

March 2026: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 24, 2026
Property Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239
Document Number	0202603784
Instrument Date	Mar 13, 2026
Instrument	2026-03784
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239

Mortgage

Document Number	0202603785
Date	Mar 24, 2026
Instrument	2026-03785

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	11.8%

August 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 14, 2009
Property Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239
Document Number	0201003466
Map Reference	DOC2009-01941
Instrument Date	Jul 26, 2009
Instrument	201003466
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Tax	$47.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 E MAIN ST
Investor	Possibly a Property Investor

July 2008: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 24, 2008
Property Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239
Document Number	2009001941
Instrument Date	Jul 6, 2006
Instrument	2009001941
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239
Investor	Possibly a Property Investor

July 2008: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 9, 2008
Property Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239
Document Number	2009000646
Instrument Date	Mar 25, 1974
Instrument	2009000646
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Tax	$6.40
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 E MAIN ST, CEDAR FALLS, IA 50613-3239

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	$930.00 (+10.19%) Homeowner's exemption	$61,890 (-1.26%) Land $7,550 Building $54,340	$61,890 (-1.26%) Land $7,550 Building $54,340
2024	$844.00 (+36.13%)
2023		$62,680 (+47.69%) Land $7,550 Building $55,130	$62,680 (+47.69%) Land $7,550 Building $55,130
2022	$620.00 Homeowner's exemption	$42,440 Land $7,550 Building $34,890
2021			$42,440 Land $7,550 Building $34,890

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 77 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	77 in force
Nearby Flood Claims	231 (1979–2019)
Claims Outside the SFHA	5 of 231
Most Recent Claim	Mar 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 76 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 78 claims Severe Storms & Flooding, Aug 1993 · 29 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	Low lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cedar Falls Utilities Fiber	10,000 / 10,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Mediacom Xtream, Nextlink.

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