130 Summit Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 130 Summit Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,222 sqft · built 1968
Lot Size	0.318 acres (13,845 sqft)
Owner	2 Individual Names on File
Last Sale	$164,000 (Jun 2008)
Tax Bill	$6,218 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8914-14-202-021`

Property Details

APN / Parcel Number

Primary APN	`8914-14-202-021`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,222 sqft Living Area
1st Floor Area	1,718 sqft
Basement Area	1,718 sqft
Finished Basement	650 sqft
Unfinished Basement	1,718 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Other
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	13,845 sqft (0.318 acres)
Lot Dimensions	142 ft deep x 72 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	68 sqft
Patio Area	438 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	130 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 68
Legal Range	14W
Legal Township	89N
Legal Section	14
Legal Subdivision	WESTWOOD HEIGHTS ADDITION
Legal Lot Number	68
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3000
Census Tract	2304

Owner

130 Summit Dr is owned and occupied by two individuals who bought it in June 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	130 SUMMIT DR, CEDAR FALLS, IA 50613-3454
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

Date	Document
Feb 8, 2017	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU
Feb 8, 2017	Deed of Trust, Mortgage · Second Mortgage (Down Payment) UNIVERSITY OF IOWA COMMUNITY CU
Apr 2, 2020	Deed of Trust, Mortgage · Construction Mortgage US BANK NA
Aug 9, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2008 · Amount on File
Deed Sale	Jun 13, 2008 · Amount on File
Deed Document Number	200824981
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	130 SUMMIT DR, CEDAR FALLS, IA 50613-3454
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700014192
Date	Feb 8, 2017
Instrument	2017-00014192

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 5, 2027
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	130 SUMMIT DR, CEDAR FALLS, IA 50613-3454
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700014193
Date	Feb 8, 2017
Instrument	2017-00014193

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Mar 5, 2027

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	130 SUMMIT DR, CEDAR FALLS, IA 50613-3454
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202000016998
Date	Apr 2, 2020
Instrument	202000016998

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 9, 2019
Property Address	130 SUMMIT DR, CEDAR FALLS, IA 50613-3454
Document Number	202000002615
Instrument Date	Aug 1, 2019
Instrument	202000002615
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 SUMMIT DR, CEDAR FALLS, IA 50613-3454
Investor	Possibly a Property Investor

Mortgage

Document Number	202000002616
Date	Aug 9, 2019
Instrument	202000002616

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 130 Summit Dr was $6,218 with a homeowner's exemption, up 6.4% 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	$6,218.00 (+6.44%) Homeowner's exemption	$425,130 Land $62,300 Building $362,830	$425,130 Land $62,300 Building $362,830
2024	$5,842.00
2023		$373,250 (+26.08%) Land $40,050 Building $333,200	$373,250 Land $40,050 Building $333,200
2022	$5,466.00	$296,050 Land $40,050 Building $256,000
2021			$296,050 Land $40,050 Building $256,000

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

Flood

FEMA maps place 130 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 130 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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