1206 W 10th St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1206 W 10th St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 856 sqft · built 1953
Lot Size	0.164 acres (7,150 sqft)
Owner	Individual Name on File
Last Sale	$273,000 (Feb 2026)
Tax Bill	$3,068 (2025)
Deeds & Mortgages	Sep 2005 Line of Credit Mar 2010 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`8914-11-482-002`

Property Details

APN / Parcel Number

Primary APN	`8914-11-482-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	856 sqft Living Area
1st Floor Area	856 sqft
Basement Area	856 sqft
Finished Basement	600 sqft
Unfinished Basement	856 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,150 sqft (0.164 acres)
Lot Dimensions	143 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1206 W 10TH ST
City	CEDAR FALLS
State	IA
Zip	50613-2408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLN PARK LOT 8 BLK 5 & N 1/2 OF THAT PORTION OF ALLEY ADJ & LYING S OF LOT 8 BLK 5 & EASE
Legal Range	14W
Legal Township	89N
Legal Section	11
Legal Subdivision	LINCOLN PARK
Legal Block	5
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	5
Census Block	5023
Census Tract	2200

Owner

1206 W 10th St is owned and occupied by an individual who bought it in February 2026.

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	Individual Name on File
Mailing Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2005	Deed of Trust, Mortgage · Line of Credit PRINCIPAL BANK
Mar 10, 2010	Deed of Trust, Mortgage · FHA Mortgage AMERICAN SOUTHWEST MORTGAGE CORP
Jun 24, 2015	Deed of Trust, Mortgage FARMERS STATE BANK
Jul 24, 2008	Deed of Trust, Mortgage CITIFINACIAL INC
Feb 3, 2026	Warranty Deed, Transfer · Conventional Mortgage OHNWARD BANK & TRUST CO
Jul 30, 2025	Warranty Deed, Transfer BLACK HAWK COUNTY ABSTRACT
Dec 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Dec 15, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Nov 12, 2014	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2026 · Amount on File
Deed Sale	Feb 3, 2026 · Amount on File
Prior Sale	Jul 30, 2025 · Amount on File
Deed Document Number	20261413
Prior Transfer Date	Jan 30, 2026
Prior Transfer Doc	0202601413
Record Updated	Oct 29, 2026

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006007538
Date	Sep 19, 2005
Instrument	2006007538

Lender

Name	PRINCIPAL BANK
Type	Bank
Address	DES MOINES, IA 50392

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 15, 2010

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408
Transaction Type	Mortgage
Record Updated	Feb 11, 2026
Title Company	SECURITY TITLE COMPANY, SECURITY FIRST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010016767
Date	Mar 10, 2010
Instrument	2010016767

Lender

Name	AMERICAN SOUTHWEST MORTGAGE CORP
Type	Lending Institution
Address	OKLAHOMA CITY, OK 73116

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2025

June 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500021062
Date	Jun 24, 2015
Instrument	201500021062

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Amount	Amount on Record

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009001892
Date	Jul 24, 2008
Instrument	2009001892

Lender

Name	CITIFINACIAL INC
Address	CEDAR FALLS, IA 50613

Agreement

Amount	Amount on Record
Term	182 Months
Due	Sep 5, 2023

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 3, 2026
Property Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408
Document Number	0202601413
Instrument Date	Jan 30, 2026
Instrument	2026-01413
Transaction Type	Transfer
Record Updated	Feb 11, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$436.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408

Mortgage

Document Number	0202601414
Date	Feb 3, 2026
Instrument	2026-01414

Lender

Name	OHNWARD BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 30, 2025
Property Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408
Document Number	0202510962
Instrument Date	Jul 24, 2025
Instrument	2025-10962
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount on Record
Tax	$439.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408
Transaction Type	Mortgage
Record Updated	Dec 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400007821
Date	Dec 15, 2023
Instrument	202400007821

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	84 Months
Due	Dec 1, 2030

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 15, 2023
Property Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408
Document Number	202400007819
Instrument Date	Nov 29, 2023
Instrument	202400007819
Transaction Type	Transfer
Record Updated	Feb 11, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$357.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408
Mail Care Of	BRITNEY M CALVILLO AND CONNOR M MORONE

Mortgage

Document Number	202400007820
Date	Dec 15, 2023
Instrument	202400007820

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	1-Year CMT
Max Rate	13.7%

Mortgage

Document Number	202400007821
Date	Dec 15, 2023
Instrument	202400007821

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	84 Months
Due	Dec 1, 2030

November 2014: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 12, 2014
Property Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408
Document Number	201500008236
Instrument Date	Nov 11, 2014
Instrument	201500008236
Transaction Type	Transfer
Record Updated	Feb 11, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 W 10TH ST, CEDAR FALLS, IA 50613-2408

Tax Assessment & Valuation

The 2025 property tax bill for 1206 W 10th St was $3,068, up 3.9% 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	$3,068.00 (+3.86%)	$204,390 Land $35,350 Building $169,040	$204,390 Land $35,350 Building $169,040
2024	$2,954.00
2023		$123,120 (+22.18%) Land $22,730 Building $100,390	$123,120 Land $22,730 Building $100,390
2022	$1,860.00	$100,770 Land $22,730 Building $78,040
2021			$100,770 Land $22,730 Building $78,040

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

Flood

FEMA maps place 1206 W 10th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1206 W 10th St has no burnable land within ember reach, so its wildfire risk is not rated.

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 420 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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