125 Summit Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 125 Summit Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,372 sqft · built 1958
Lot Size	0.308 acres (13,395 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,218 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8914-14-252-004`

Property Details

APN / Parcel Number

Primary APN	`8914-14-252-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,372 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Finished Basement	500 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,395 sqft (0.308 acres)
Lot Dimensions	141 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	8 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	125 SUMMIT DR
City	CEDAR FALLS
State	IA
Zip	50613-3453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTWOOD HEIGHTS ADDITION LOT 18
Legal Range	14W
Legal Township	89N
Legal Section	14
Legal Subdivision	WESTWOOD HEIGHTS ADDITION
Legal Lot Number	18
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3002
Census Tract	2304

Owner

125 Summit Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	125 SUMMIT DR, CEDAR FALLS, IA 50613-3453
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	125 SUMMIT DR, CEDAR FALLS, IA 50613-3453
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SUMMIT DR, CEDAR FALLS, IA 50613-3453

Mortgage

Document Number	202100020547
Date	Apr 1, 2021
Instrument	202100020547

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 31, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 125 Summit Dr was $3,218 with a homeowner's exemption, up 3.2% 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	$3,218.00 (+3.21%) Homeowner's exemption	$248,810 Land $70,000 Building $178,810	$248,810 Land $70,000 Building $178,810
2024	$3,118.00
2023		$226,070 (+17.35%) Land $45,000 Building $181,070	$226,070 Land $45,000 Building $181,070
2022	$3,330.00 Homeowner's exemption	$192,640 Land $45,000 Building $147,640
2021			$192,640 Land $45,000 Building $147,640

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

Flood

FEMA maps place 125 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 125 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.

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