128 Main St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 128 Main St, Cedar Falls, IA 50613

Property Summary

Property Type	Bar, Tavern
Details	5,232 sqft · built 1890
Lot Size	0.04 acres (1,760 sqft)
Owner	Company Name on Record
Last Sale	$760,000 (Dec 2025)
Tax Bill	$16,912 (2025)
Deeds & Mortgages	May 2019 Refinance Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8914-12-251-014`

Property Details

APN / Parcel Number

Primary APN	`8914-12-251-014`

Interior

Stories	3 Stories
Building Area	5,232 sqft Gross Area
1st Floor Area	1,760 sqft
Basement Area	1,712 sqft
Unfinished Basement	1,712 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Urethane Foam
Lot Area	1,760 sqft (0.04 acres)
Lot Dimensions	80 ft deep x 22 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	128 MAIN ST
City	CEDAR FALLS
State	IA
Zip	50613-2622
Property Category	Commercial
Property Type	Commercial > Retail > Bar, Tavern
Legal Description	MILL SQUARE CEDAR FALLS LOT 12
Legal Range	14W
Legal Township	89N
Legal Section	12
Legal Subdivision	MILL SQUARE CEDAR FALLS
Legal Lot Number	12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	1
Census Block	1030
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 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	3510 KIMBALL AVE, H, WATERLOO, IA 50702-5760
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 6, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Dec 16, 2025	Warranty Deed, Transfer · Commercial Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Prior Sale	Feb 13, 2012 · Amount on Record
Deed Document Number	202518486
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	128 MAIN ST, CEDAR FALLS, IA 50613-2622
Transaction Type	Mortgage
Record Updated	Dec 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900016369
Date	May 6, 2019
Instrument	201900016369

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 16, 2025
Property Address	128 MAIN ST, CEDAR FALLS, IA 50613-2622
Document Number	0202518486
Instrument Date	Dec 15, 2025
Instrument	2025-18486
Transaction Type	Transfer
Record Updated	Dec 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,215.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3510 KIMBALL AVE STE H, H, WATERLOO, IA 50702-5760
Investor	Possibly a Property Investor

Mortgage

Document Number	0202518463
Date	Dec 16, 2025
Instrument	2025-18463

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2055

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	$16,912.00 (+0.63%)	$672,950 (+2.83%) Land $50,600 Building $622,350	$672,950 (+2.83%) Land $50,600 Building $622,350
2024	$16,806.00 (+79.24%)
2023		$654,430 (+71.97%) Land $50,600 Building $603,830	$654,430 (+71.97%) Land $50,600 Building $603,830
2022	$9,376.00	$380,540 Land $41,800 Building $338,740
2021			$380,540 Land $41,800 Building $338,740

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	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	Low lower than 99.1% of the US · lower than 91% 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 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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