1321 Lilac Ln, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1321 Lilac Ln, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,294 sqft · built 1955
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Aug 2024)
Tax Bill	$2,464 (2022)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-19-181-001`

Property Details

APN / Parcel Number

Primary APN	`8913-19-181-001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,294 sqft Living Area
1st Floor Area	1,294 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	90 ft deep x 125 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	84 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1321 LILAC LN
City	CEDAR FALLS
State	IA
Zip	50613-7314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMEWAY ADDITION LOT 21
Legal Range	13W
Legal Township	89N
Legal Section	19
Legal Subdivision	HOMEWAY ADDITION
Legal Lot Number	21
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3022
Census Tract	2500

Owner

1321 Lilac Ln is owned and occupied by an individual who bought it in August 2024.

Source: Black Hawk County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	1321 LILAC LN, CEDAR FALLS, IA 50613-7314
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
Mar 2, 2026	Deed of Trust, Mortgage · VA Mortgage SERVIS ONE INC
Aug 14, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK IOWA
Dec 5, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage BANKIOWA
Dec 5, 2017	Warranty Deed, Transfer · ARM BANKIOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2024 · Amount on File
Deed Sale	Aug 14, 2024 · Amount on File
Prior Sale	Aug 14, 2023 · Amount on File
Deed Document Number	20242165
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1321 LILAC LN, CEDAR FALLS, IA 50613-7314
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 LILAC LN, CEDAR FALLS, IA 50613-7314

Mortgage

Document Number	0202602579
Date	Mar 2, 2026
Instrument	2026-02579

Lender

Name	SERVIS ONE INC
Type	Mortgage Company
Address	4200 REGENT BLVD # B200, IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 14, 2023
Property Address	1321 LILAC LN, CEDAR FALLS, IA 50613-7314
Document Number	202400002165
Instrument Date	Jul 20, 2023
Instrument	202400002165
Transaction Type	Transfer
Record Updated	Aug 29, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 LILAC LN, CEDAR FALLS, IA 50613-7314

Mortgage

Document Number	202400002166
Date	Aug 14, 2023
Instrument	202400002166

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1321 LILAC LN, CEDAR FALLS, IA 50613-7314
Transaction Type	Mortgage
Record Updated	Jun 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900011194
Date	Jan 18, 2019
Instrument	201900011194

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1321 LILAC LN, CEDAR FALLS, IA 50613-7314
Transaction Type	Mortgage
Record Updated	Jun 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800009683
Date	Dec 5, 2017
Instrument	2018-00009683

Lender

Name	BANKIOWA
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 5, 2017
Property Address	1321 LILAC LN, CEDAR FALLS, IA 50613-7314
Document Number	201800009709
Instrument Date	Dec 1, 2017
Instrument	2018-00009709
Transaction Type	Transfer
Record Updated	Jun 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1321 LILAC LN, CEDAR FALLS, IA 50613-7314
Investor	Possibly a Property Investor

Mortgage

Document Number	201800009710
Date	Dec 5, 2017
Instrument	2018-00009710

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.25%

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		$199,730 Land $33,070 Building $166,660	$199,730 Land $33,070 Building $166,660
2023		$177,070 (+24.39%) Land $33,070 Building $144,000	$177,070 Land $33,070 Building $144,000
2022	$2,464.00 Homeowner's exemption	$142,350 Land $33,070 Building $109,280
2021			$142,350 Land $33,070 Building $109,280

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

Flood

FEMA maps place 1321 Lilac Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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	2 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · tidal / storm surge

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

The area around 1321 Lilac Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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 449 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: GigFire.

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