1303 W 12th St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1303 W 12th St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,667 sqft · built 1957
Lot Size	0.204 acres (8,880 sqft)
Owner	Individual Name on File
Tax Bill	$3,574 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-11-452-012`

Property Details

APN / Parcel Number

Primary APN	`8914-11-452-012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,667 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Finished Basement	575 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,880 sqft (0.204 acres)
Lot Dimensions	74 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1303 W 12TH ST
City	CEDAR FALLS
State	IA
Zip	50613-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JENSENS ADDITION S 1/2 LOT 9 S 1/2 LOT 10
Legal Range	14W
Legal Township	89N
Legal Section	11
Legal Subdivision	JENSENS ADDITION
Legal Lot Number	9,10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	5
Census Block	5020
Census Tract	2200

Owner

1303 W 12th St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1303 W 12TH ST, CEDAR FALLS, IA 50613-2314
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
Apr 12, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Mar 2, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Mar 2, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1303 W 12TH ST, CEDAR FALLS, IA 50613-2314
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200019941
Date	Apr 12, 2022
Instrument	202200019941

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1303 W 12TH ST, CEDAR FALLS, IA 50613-2314
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100018233
Date	Mar 2, 2021
Instrument	202100018233

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1303 W 12TH ST, CEDAR FALLS, IA 50613-2314
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000014968
Date	Mar 2, 2020
Instrument	202000014968

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1303 W 12th St was $3,574 with a homeowner's exemption, up 3.6% 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	$3,574.00 (+3.59%) Homeowner's exemption	$263,610 Land $49,060 Building $214,550	$263,610 Land $49,060 Building $214,550
2024	$3,450.00
2023		$238,370 (+24.19%) Land $31,540 Building $206,830	$238,370 Land $31,540 Building $206,830
2022	$3,380.00 Homeowner's exemption	$191,940 Land $31,540 Building $160,400
2021			$191,940 Land $31,540 Building $160,400

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

Flood

FEMA maps place 1303 W 12th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1303 W 12th St 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 420 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.

Nearby Properties on W 12th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures