123 Main St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 123 Main St, Cedar Falls, IA 50613

Property Summary

Property Type	Bar, Tavern
Details	4,385 sqft · built 1899
Lot Size	0.067 acres (2,904 sqft)
Owner	Company Name on Record
Last Sale	$725,000 (Mar 2026)
Tax Bill	$13,820 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-12-180-009`

Property Details

APN / Parcel Number

Primary APN	`8914-12-180-009`

Interior

Stories	2 Stories
Building Area	4,385 sqft Gross Area
1st Floor Area	2,200 sqft
Basement Area	2,185 sqft
Unfinished Basement	2,185 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Exterior Material	Brick
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Rolled Roofing
Lot Area	2,904 sqft (0.067 acres)
Lot Dimensions	132 ft deep x 22 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	123 MAIN ST
City	CEDAR FALLS
State	IA
Zip	50613-2621
Property Category	Commercial
Property Type	Commercial > Retail > Bar, Tavern
Legal Description	ORIGINAL PLAT CEDAR FALLS N 22 FT S 44 FT LOT 2 BLK 1 N 22 FT S 44 FT LOT 3 BLK 1
Legal Range	14W
Legal Township	89N
Legal Section	12
Legal Subdivision	ORIGINAL PLAT CEDAR FALLS
Legal Block	1
Legal Lot Number	2,3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	1
Census Block	1029
Census Tract	2200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cedar Falls Downtown Historic District listed 2017 · 42 contributing resources · NRIS 100001673

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	12575 N MOONLIGHT RD, OLATHE, KS 66061
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Dec 22, 2017	Deed of Trust, Mortgage LINCOLN SAVINGS BANK
Jun 28, 2021	Deed of Trust, Mortgage · Line of Credit DENVER SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2026 · Amount on Record
Deed Sale	Mar 3, 2026 · Amount on Record
Prior Sale	Nov 14, 2007 · Amount on Record
Deed Document Number	20262737
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	123 MAIN ST, CEDAR FALLS, IA 50613-2621
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202602738
Date	Mar 3, 2026
Instrument	2026-02738

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	131 TOWER PARK DR STE 100, WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2056

Interest

Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	123 MAIN ST, CEDAR FALLS, IA 50613-2621
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800010902
Date	Dec 22, 2017
Instrument	2018-00010902

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Dec 22, 2037

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	123 MAIN ST, CEDAR FALLS, IA 50613-2621
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1819 PINEHURST LN, WATERLOO, IA 50701-4528

Mortgage

Document Number	202100027552
Date	Jun 28, 2021
Instrument	202100027552

Lender

Name	DENVER SAVINGS BANK
Type	Bank
Address	DENVER, IA 50622

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2051

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	$13,820.00	$629,410 (+5.52%) Land $83,490 Building $545,920	$629,410 (+5.52%) Land $83,490 Building $545,920
2024	$13,820.00 (+68.7%)
2023		$596,460 (+64.11%) Land $66,790 Building $529,670	$596,460 (+64.11%) Land $66,790 Building $529,670
2022	$8,192.00	$363,460 Land $53,900 Building $309,560
2021			$363,460 Land $53,900 Building $309,560

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
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	9 (1979–1999)
Most Recent Claim	Jul 1999 · Severe Storms And Flooding

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 71 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, T-Mobile, Verizon.

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