1404 W 3rd St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1404 W 3rd St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,132 sqft · built 1900
Lot Size	0.188 acres (8,184 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,258 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8914-11-259-004`

Property Details

APN / Parcel Number

Primary APN	`8914-11-259-004`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,132 sqft Living Area
1st Floor Area	308 sqft
Basement Area	648 sqft
Finished Basement	125 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Mansard
Roof Material	Metal
Lot Area	8,184 sqft (0.188 acres)
Lot Dimensions	124 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	72 sqft
Patio Area	392 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1404 W 3RD ST
City	CEDAR FALLS
State	IA
Zip	50613-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	O E MULLARKYS ADDITION LOT 1 BLK 18
Legal Range	14W
Legal Township	89N
Legal Section	11
Legal Subdivision	O E MULLARKYS ADDITION
Legal Block	18
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2015
Census Tract	2200

Owner

1404 W 3rd St 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	1404 W 3RD ST, CEDAR FALLS, IA 50613-2104
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
Aug 10, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1404 W 3RD ST, CEDAR FALLS, IA 50613-2104
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 W 3RD ST, CEDAR FALLS, IA 50613-2104

Mortgage

Document Number	202200003033
Date	Aug 10, 2021
Instrument	202200003033

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1404 W 3RD ST, CEDAR FALLS, IA 50613-2104
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 W 3RD ST, CEDAR FALLS, IA 50613-2104

Mortgage

Document Number	202100026067
Date	Jun 10, 2021
Instrument	202100026067

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1404 W 3rd St was $2,258 with a homeowner's exemption, up 7.9% 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	$2,258.00 (+7.93%) Homeowner's exemption	$175,860 Land $44,350 Building $131,510	$175,860 Land $44,350 Building $131,510
2024	$2,092.00
2023		$153,990 (+26.67%) Land $28,510 Building $125,480	$153,990 Land $28,510 Building $125,480
2022	$2,080.00 Homeowner's exemption	$121,570 Land $28,510 Building $93,060
2021			$121,570 Land $28,510 Building $93,060

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

Flood

FEMA maps place 1404 W 3rd St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1993.

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	4 in force
Nearby Flood Claims	5 (1993–2016)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 2 claims

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 1404 W 3rd 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	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 366 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 · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

Nearby Properties on W 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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