1206 Delta Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1206 Delta Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,344 sqft · built 1972
Lot Size	0.327 acres (14,260 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,918 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-14-128-010`

Property Details

APN / Parcel Number

Primary APN	`8914-14-128-010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Finished Basement	375 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,260 sqft (0.327 acres)
Lot Dimensions	92 ft deep x 155 ft wide
Porch	Porch
Porch Area	144 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1206 DELTA DR
City	CEDAR FALLS
State	IA
Zip	50613-4817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLARKS ADDITION LOT 1 BLK 1 EXC BEG AT NE COR OF LOT 1 BLK 1 TH W 15 FT ALONG THE N LINE OF SAID LOT 1 TH SELY TO A PT ON E
Legal Range	14W
Legal Township	89N
Legal Section	14
Legal Subdivision	CLARKS ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	1
Census Block	1000
Census Tract	2605

Owner

Source: Black Hawk County records, as of May 27, 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	1206 DELTA DR, CEDAR FALLS, IA 50613-4817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Jan 21, 2021	Deed of Trust, Mortgage · Line of Credit MIDWESTONE BANK
Jun 2, 2020	Deed of Trust, Mortgage · Line of Credit MIDWESTONE BANK

Assessor's Deed Record

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

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1206 DELTA DR, CEDAR FALLS, IA 50613-4817
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 DELTA DR, CEDAR FALLS, IA 50613-4817

Mortgage

Document Number	202200012069
Date	Dec 8, 2021
Instrument	202200012069

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	107 Months
Due	Nov 10, 2030

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1206 DELTA DR, CEDAR FALLS, IA 50613-4817
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 DELTA DR, CEDAR FALLS, IA 50613-4817

Mortgage

Document Number	202100015350
Date	Jan 21, 2021
Instrument	202100015350

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 25, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1206 DELTA DR, CEDAR FALLS, IA 50613-4817
Transaction Type	Mortgage
Record Updated	Jun 16, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000021075
Date	Jun 2, 2020
Instrument	202000021075

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 25, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,918.00 Homeowner's exemption	$228,320 (+11.25%) Land $46,870 Building $181,450	$228,320 (+11.25%) Land $46,870 Building $181,450
2024	$2,918.00 (-13.97%)
2023		$205,230 (+6.54%) Land $46,870 Building $158,360	$205,230 (+6.54%) Land $46,870 Building $158,360
2022	$3,392.00 Homeowner's exemption	$192,630 Land $46,870 Building $145,760
2021			$192,630 Land $46,870 Building $145,760

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	Low lower than 99.1% of the US · lower than 91% 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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cedar Falls Utilities Fiber	10,000 / 10,000
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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