118 Main St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 118 Main St, Cedar Falls, IA 50613 · Last verified June 2026

Property Summary

Property Type	Restaurant
Details	3,130 sqft · built 1870
Lot Size	0.04 acres (1,760 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,688 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8914-12-251-011`

Property Details

APN / Parcel Number

Primary APN	`8914-12-251-011`

Interior

Stories	2 Stories
Building Area	3,130 sqft Gross Area
1st Floor Area	1,730 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Brick
Construction Type	Concrete Block
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Urethane Foam
Lot Area	1,760 sqft (0.04 acres)
Lot Dimensions	80 ft deep x 22 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	118 MAIN ST
City	CEDAR FALLS
State	IA
Zip	50613-2622
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	MILL SQUARE CEDAR FALLS LOT 8
Legal Range	14W
Legal Township	89N
Legal Section	12
Legal Subdivision	MILL SQUARE CEDAR FALLS
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	1
Census Block	1030
Census Tract	2200

Owner

Source: Black Hawk County records · APN 8914-12-251-011

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 Record	2 Individual Names on File
Mailing Address	215 COLORADO RD, CEDAR FALLS, IA 50613-5135
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	118 MAIN ST, CEDAR FALLS, IA 50613-2622
Transaction Type	Mortgage
Record Updated	Jan 02, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202300005480
Date	Sep 30, 2022
Instrument	202300005480

Lender

Name	DENVER SAVINGS BANK
Type	Bank
Address	DENVER, IA 50622

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2052

Tax Assessment & Valuation

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

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,688.00	$468,150 (+2.73%) Land $50,600 Building $417,550	$468,150 (+2.73%) Land $50,600 Building $417,550
2024	$11,688.00 (+65.41%)
2023		$455,720 (+64.74%) Land $50,600 Building $405,120	$455,720 (+64.74%) Land $50,600 Building $405,120
2022	$7,066.00	$276,630 Land $41,800 Building $234,830
2021			$276,630 Land $41,800 Building $234,830

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 190130022001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	9 (1979–1999)
Most Recent Claim	Jul 1999, river or lake flooding, Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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 District	Within 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

Provider	Technology	Download / Upload (Mbps)
Cedar Falls Municipal Communications Utility	Fiber	10,000 / 10,000
Mediacom Communications	Cable	1,000 / 50
AT&T	Fixed Wireless	100 / 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.