1516 W 4th St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1516 W 4th St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,132 sqft · built 1956
Lot Size	0.303 acres (13,200 sqft)
Owner	2 Individual Names on File
Last Sale	$272,500 (Jul 2024)
Tax Bill	$3,512 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-11-401-005`

Property Details

APN / Parcel Number

Primary APN	`8914-11-401-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,132 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Finished Basement	500 sqft
Unfinished Basement	952 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,200 sqft (0.303 acres)
Lot Dimensions	132 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Deck Area	120 sqft
Patio Area	312 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1516 W 4TH ST
City	CEDAR FALLS
State	IA
Zip	50613-2324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITORS PLAT NO 21 CF W 100 FT E 264 FT N 132 FT LOT 4 EXC THAT PART CONVEYED TO CITY OF CEDAR FALLS IA
Legal Range	14W
Legal Township	89N
Legal Section	11
Legal Subdivision	AUDITORS PLAT NO 21 CF
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	5
Census Block	5003
Census Tract	2200

Owner

1516 W 4th St is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1516 W 4TH ST, CEDAR FALLS, IA 50613-2324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 9, 2024	Warranty Deed, Transfer · VA Mortgage VERIDIAN CU
Aug 17, 2022	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU
May 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2024 · Amount on File
Deed Sale	Jul 9, 2024 · Amount on File
Prior Sale	May 30, 2013 · Amount on File
Deed Document Number	202417041
Record Updated	Oct 29, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 9, 2024
Property Address	1516 W 4TH ST, CEDAR FALLS, IA 50613-2324
Document Number	0202417041
Instrument Date	Jul 8, 2024
Instrument	2024-17041
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.20
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	1516 W 4TH ST, CEDAR FALLS, IA 50613-2324

Mortgage

Document Number	0202417042
Date	Jul 9, 2024
Instrument	2024-17042

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1516 W 4TH ST, CEDAR FALLS, IA 50613-2324
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300002879
Date	Aug 17, 2022
Instrument	202300002879

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 16, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1516 W 4TH ST, CEDAR FALLS, IA 50613-2324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700020718
Date	May 30, 2017
Instrument	2017-00020718

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1516 W 4th St was $3,512 with a homeowner's exemption, up 16.5% 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	$3,512.00 (+16.52%) Homeowner's exemption	$253,880 Land $68,600 Building $185,280	$253,880 Land $68,600 Building $185,280
2024	$3,014.00
2023		$197,560 (+21.41%) Land $44,100 Building $153,460	$197,560 Land $44,100 Building $153,460
2022	$2,840.00 Homeowner's exemption	$162,720 Land $44,100 Building $118,620
2021			$162,720 Land $44,100 Building $118,620

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

Flood

FEMA maps place 1516 W 4th 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

The area around 1516 W 4th St 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 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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