115 E 20th St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 115 E 20th St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 896 sqft · built 1952
Lot Size	0.241 acres (10,480 sqft)
Owner	Individual Name on Record
Last Sale	$69,000 (Dec 2015)
Tax Bill	$2,082 (2025)
Deeds & Mortgages	May 2017 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8914-13-402-002`

Property Details

APN / Parcel Number

Primary APN	`8914-13-402-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	896 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft
Finished Basement	350 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,480 sqft (0.241 acres)
Lot Dimensions	131 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	54 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	115 E 20TH ST
City	CEDAR FALLS
State	IA
Zip	50613-4201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GALLOWAY ADDITION CEDAR FALLS LOT 16
Legal Range	14W
Legal Township	89N
Legal Section	13
Legal Subdivision	GALLOWAY ADDITION CEDAR FALLS
Legal Lot Number	16
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2007
Census Tract	2301

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	Individual Name on Record
Mailing Address	115 E 20TH ST, CEDAR FALLS, IA 50613-4201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Mar 18, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 16, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 31, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2015 · Amount on Record
Deed Sale	Dec 8, 2015 · Amount on Record
Deed Document Number	20152016-00010451
Last Transfer Date	Dec 22, 2025
Transfer Doc	0202519210
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	115 E 20TH ST, CEDAR FALLS, IA 50613-4201
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201700020218
Date	May 19, 2017
Instrument	2017-00020218

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	115 E 20TH ST, CEDAR FALLS, IA 50613-4201
Transaction Type	Mortgage
Record Updated	Jan 9, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202200018354
Date	Mar 18, 2022
Instrument	202200018354

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	115 E 20TH ST, CEDAR FALLS, IA 50613-4201
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E 20TH ST, CEDAR FALLS, IA 50613-4201

Mortgage

Document Number	0202500751
Date	Jan 16, 2025
Instrument	2025-00751

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	3043 TOWNSGATE RD # 200, WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 31, 2025
Property Address	115 E 20TH ST, CEDAR FALLS, IA 50613-4201
Document Number	0202519210
Instrument Date	Dec 22, 2025
Instrument	2025-19210
Transaction Type	Transfer
Record Updated	Jan 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E 20TH ST, CEDAR FALLS, IA 50613-4201

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	$2,082.00 (-8.84%)	$164,120 (+15.68%) Land $31,360 Building $132,760	$164,120 (+15.68%) Land $31,360 Building $132,760
2024	$2,284.00 (+3.91%)
2023		$141,880 (+19.17%) Land $31,360 Building $110,520	$141,880 (+19.17%) Land $31,360 Building $110,520
2022	$2,198.00	$119,060 Land $31,360 Building $87,700
2021			$119,060 Land $31,360 Building $87,700

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

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 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

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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