1504 W 3rd St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1504 W 3rd St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1952
Lot Size	0.212 acres (9,240 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Sep 2026)
Tax Bill	$1,942 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-11-258-008`

Property Details

APN / Parcel Number

Primary APN	`8914-11-258-008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Finished Basement	300 sqft
Unfinished Basement	720 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Aluminum Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,240 sqft (0.212 acres)
Lot Dimensions	140 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1504 W 3RD ST
City	CEDAR FALLS
State	IA
Zip	50613-1701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	O E MULLARKYS ADDITION LOT 1 BLK 19 & ALL THAT PORTION OF VAC ALLEY ADJ & LYING S OF LOT 1 BLK 19
Legal Range	14W
Legal Township	89N
Legal Section	11
Legal Subdivision	O E MULLARKYS ADDITION
Legal Block	19
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2014
Census Tract	2200

Owner

Source: Black Hawk County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1504 W 3RD ST, CEDAR FALLS, IA 50613-1701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Jun 14, 2018	Deed of Trust, Mortgage · ARM COLLINS COMMUNITY CREDIT UNION
Jun 11, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2026 · Amount on Record
Deed Sale	Sep 14, 2026 · Amount on Record
Prior Sale	Jun 11, 2020 · Amount on Record
Deed Document Number	202613922
Prior Transfer Date	Feb 17, 2010
Prior Transfer Doc	0000015655
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 14, 2026
Property Address	1504 W 3RD ST, CEDAR FALLS, IA 50613-1701
Document Number	0000013922
Instrument Date	Sep 5, 2026
Instrument	202613922
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,199.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 W 3RD ST, CEDAR FALLS, IA 50613-1701

Mortgage

Document Number	0000013923,
Date	Sep 14, 2026
Instrument	202613923

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1504 W 3RD ST, CEDAR FALLS, IA 50613-1701
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800020609
Date	Jun 14, 2018
Instrument	201800020609

Lender

Name	COLLINS COMMUNITY CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Type Change Date	Jul 1, 2025
Index	1-Year CMT

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 11, 2020
Property Address	1504 W 3RD ST, CEDAR FALLS, IA 50613-1701
Document Number	202000021835
Instrument Date	May 14, 2020
Instrument	202000021835
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$198.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 W 3RD ST, CEDAR FALLS, IA 50613-1701

Mortgage

Document Number	202000021836
Date	Jun 11, 2020
Instrument	202000021836

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jun 5, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	9.62%

Mortgage

Document Number	202000021837
Date	Jun 11, 2020
Instrument	202000021837

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 5, 2030

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	$1,942.00 (+9.59%) Homeowner's exemption	$140,330 (+16.66%) Land $46,200 Building $94,130	$140,330 (+16.66%) Land $46,200 Building $94,130
2024	$1,772.00 (+5.35%)
2023		$120,290 (+20.31%) Land $29,700 Building $90,590	$120,290 (+20.31%) Land $29,700 Building $90,590
2022	$1,682.00 Homeowner's exemption	$99,980 Land $29,700 Building $70,280
2021			$99,980 Land $29,700 Building $70,280

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
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

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.

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