120 E 16th St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 120 E 16th St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 1959
Lot Size	0.21 acres (9,152 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (May 2023)
Tax Bill	$2,894 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Dec 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8914-13-210-010`

Property Details

APN / Parcel Number

Primary APN	`8914-13-210-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	475 sqft
Unfinished Basement	1,008 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,152 sqft (0.21 acres)
Lot Dimensions	66 ft deep x 44 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	224 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	120 E 16TH ST
City	CEDAR FALLS
State	IA
Zip	50613-4138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TAYLORS ADDITION ALL LOT 4 BLK 12 & ALSO S 10 FT W 44 FT E 88 FT LOTS 1,2,3 BLK 12
Legal Range	14W
Legal Township	89N
Legal Section	13
Legal Subdivision	TAYLORS ADDITION
Legal Block	12
Legal Lot Number	1-4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	1
Census Block	1015
Census Tract	2301

Owner

120 E 16th St is owned and occupied by two individuals who bought it in May 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	120 E 16TH ST, CEDAR FALLS, IA 50613-4138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Dec 7, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2023 · Amount on File
Deed Sale	May 19, 2023 · Amount on File
Prior Sale	May 21, 2010 · Amount on File
Deed Document Number	202315529
Prior Transfer Date	May 18, 2023
Prior Transfer Doc	0000015529
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 19, 2023
Property Address	120 E 16TH ST, CEDAR FALLS, IA 50613-4138
Document Number	202300015529
Instrument Date	May 18, 2023
Instrument	202300015529
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.20
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	120 E 16TH ST, CEDAR FALLS, IA 50613-4138

Mortgage

Document Number	202300015530
Date	May 19, 2023
Instrument	202300015530

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	120 E 16TH ST, CEDAR FALLS, IA 50613-4138
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E 16TH ST, CEDAR FALLS, IA 50613-4138

Mortgage

Document Number	202200011937
Date	Dec 7, 2021
Instrument	202200011937

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 6, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 120 E 16th St was $2,894 with a homeowner's exemption, up 1% 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	$2,894.00 (+0.98%) Homeowner's exemption	$203,620 Land $51,480 Building $152,140	$203,620 Land $51,480 Building $152,140
2024	$2,866.00
2023		$188,360 (+21.48%) Land $34,320 Building $154,040	$188,360 Land $34,320 Building $154,040
2022	$2,862.00	$155,050 Land $34,320 Building $120,730
2021			$155,050 Land $34,320 Building $120,730

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

Flood

FEMA maps place 120 E 16th 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	7 in force
Nearby Flood Claims	13 (2008–2020)
Claims Outside the SFHA	4 of 13
Most Recent Claim	Feb 2020 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2016 · 6 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 5 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

Wildfire risk around 120 E 16th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 492 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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