122 Summit Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 122 Summit Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,227 sqft · built 1959
Lot Size	0.248 acres (10,800 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,008 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Apr 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-14-202-022`

Property Details

APN / Parcel Number

Primary APN	`8914-14-202-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,227 sqft Living Area
1st Floor Area	1,227 sqft
Basement Area	1,227 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	10,800 sqft (0.248 acres)
Lot Dimensions	135 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	55 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	122 SUMMIT DR
City	CEDAR FALLS
State	IA
Zip	50613-3454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTWOOD HEIGHTS ADDITION LOT 67
Legal Range	14W
Legal Township	89N
Legal Section	14
Legal Subdivision	WESTWOOD HEIGHTS ADDITION
Legal Lot Number	67
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3000
Census Tract	2304

Owner

122 Summit Dr is owned and occupied by two individuals who acquired it in August 2016.

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	122 SUMMIT DR, CEDAR FALLS, IA 50613-3454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Apr 4, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Nov 2, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 1, 2016
Transfer Doc	201700002603
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 26, 2026
Property Address	122 SUMMIT DR, CEDAR FALLS, IA 50613-3454
Document Number	0000012875
Instrument Date	Aug 21, 2026
Instrument	202612875
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 SUMMIT DR, CEDAR FALLS, IA 50613-3454

Mortgage

Document Number	0000012875,
Date	Aug 26, 2026
Instrument	202612875

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	122 SUMMIT DR, CEDAR FALLS, IA 50613-3454
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 SUMMIT DR, CEDAR FALLS, IA 50613-3454

Mortgage

Document Number	202300013311
Date	Apr 4, 2023
Instrument	202300013311

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 3, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	122 SUMMIT DR, CEDAR FALLS, IA 50613-3454
Transaction Type	Mortgage
Record Updated	Nov 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 SUMMIT DR, CEDAR FALLS, IA 50613-3454

Mortgage

Document Number	202200009477
Date	Nov 2, 2021
Instrument	202200009477

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 122 Summit Dr was $3,008 with a homeowner's exemption, up 1.8% 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	$3,008.00 (+1.76%) Homeowner's exemption	$220,210 Land $55,440 Building $164,770	$220,210 Land $55,440 Building $164,770
2024	$2,956.00
2023		$202,350 (+18.6%) Land $35,640 Building $166,710	$202,350 Land $35,640 Building $166,710
2022	$2,924.00 Homeowner's exemption	$170,620 Land $35,640 Building $134,980
2021			$170,620 Land $35,640 Building $134,980

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

Flood

FEMA maps place 122 Summit Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	8 (1979–2008)
Most Recent Claim	Apr 2008 · ground movement

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 122 Summit Dr 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 132 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GigFire.

Nearby Properties on Summit Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures