123 E 7th St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 123 E 7th St, Cedar Falls, IA 50613

Property Summary

Property Type	Duplex
Details	2 bd · 2.5 ba · 1,478 sqft · built 1869
Lot Size	0.151 acres (6,560 sqft)
Owner	Company Name on Record
Last Sale	$145,000 (Apr 2021)
Tax Bill	$2,338 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2021 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`8914-12-409-004`

Property Details

APN / Parcel Number

Primary APN	`8914-12-409-004`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,478 sqft Total Area
1st Floor Area	623 sqft
Basement Area	668 sqft
Unfinished Basement	668 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1869
Effective Year Built	Effective 1869
Architectural Style	Duplex Single
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,560 sqft (0.151 acres)
Lot Dimensions	80 ft deep x 82 ft wide
Porch	Slab
Porch Area	251 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	123 E 7TH ST
City	CEDAR FALLS
State	IA
Zip	50613-2973
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	GARRISON & DEANS ADDITION E 82 FT LOT 1 BLK 5 E 82 FT N 14 FT LOT 2 BLK 5
Legal Range	14W
Legal Township	89N
Legal Section	12
Legal Subdivision	GARRISON & DEANS ADDITION
Legal Block	5
Legal Lot Number	1,2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3018
Census Tract	2200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	725 E BUTLER ST, MANCHESTER, IA 52057-1617
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage NONE LISTED ON DOCUMENT
Apr 5, 2021	Deed of Trust, Mortgage · Construction Mortgage FREEDOMBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2021 · Amount on Record
Deed Sale	Apr 6, 2021 · Amount on Record
Prior Sale	Sep 28, 2006 · Amount on Record
Deed Document Number	202121054
Prior Transfer Date	Sep 27, 2006
Prior Transfer Doc	2007007445
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	May 5, 2026
Property Address	123 E 7TH ST, CEDAR FALLS, IA 50613-2973
Document Number	0000006459
Instrument Date	May 1, 2026
Instrument	20266459
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	2176 205TH AVE, MANCHESTER, IA 52057-8908

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	123 E 7TH ST, CEDAR FALLS, IA 50613-2973
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 E BUTLER ST, MANCHESTER, IA 52057-1617

Mortgage

Document Number	202100020773
Date	Apr 5, 2021
Instrument	202100020773

Lender

Name	FREEDOMBANK
Type	Bank
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	$2,338.00 (+3.63%)	$155,730 (+11.12%) Land $46,740 Building $108,990	$155,730 (+11.12%) Land $46,740 Building $108,990
2024	$2,256.00 (+3.58%)
2023		$140,150 (+18.8%) Land $31,160 Building $108,990	$140,150 (+18.8%) Land $31,160 Building $108,990
2022	$2,178.00	$117,970 Land $31,160 Building $86,810
2021			$117,970 Land $31,160 Building $86,810

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	3 in force
Nearby Flood Claims	14 (1990–2016)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 3 claims Severe Storms, Flooding, And Tornadoes, May 1999 · 3 claims Severe Storms & Flooding, Aug 1993 · 4 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

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 201 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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