1518 River Bluff Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1518 River Bluff Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,056 sqft · built 1975
Lot Size	0.113 acres (4,925 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (May 2026)
Tax Bill	$3,152 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2014 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8914-02-452-008`

Property Details

APN / Parcel Number

Primary APN	`8914-02-452-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Finished Basement	375 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,925 sqft (0.113 acres)
Lot Dimensions	50 ft deep x 100 ft wide
Deck Area	432 sqft
Patio Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1518 RIVER BLUFF DR
City	CEDAR FALLS
State	IA
Zip	50613-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER BLUFF PARK LOT 17 LOT 18 AND EASE
Legal Range	14W
Legal Township	89N
Legal Section	02
Legal Subdivision	RIVER BLUFF PARK
Legal Lot Number	17,18
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2104
Census Tract	2606

Owner

1518 River Bluff Dr is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1518 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1724
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
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Aug 25, 2014	Deed of Trust, Mortgage · Conventional Mortgage WINHURST MORTGAGE
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage FREE STATE CREDIT UNION
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Dec 13, 2024	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Dec 20, 2024	Warranty Deed, Transfer TITLE SERVICES CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2026 · Amount on File
Deed Sale	May 14, 2026 · Amount on File
Prior Sale	Dec 20, 2024 · Amount on File
Deed Document Number	20267039
Prior Transfer Date	Dec 10, 2024
Prior Transfer Doc	0202425157
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1518 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1724
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100024183
Date	May 17, 2021
Instrument	202100024183

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1518 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1724
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500003543
Date	Aug 25, 2014
Instrument	201500003543

Lender

Name	WINHURST MORTGAGE
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2044

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 14, 2026
Property Address	1518 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1724
Document Number	0000007039
Instrument Date	May 3, 2026
Instrument	2026.7039
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54,055.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1518 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1724

Mortgage

Document Number	0000007040,
Date	May 14, 2026
Instrument	2026..7040

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 14, 2026
Property Address	1518 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1724
Document Number	0202607039
Instrument Date	May 3, 2026
Instrument	20267039
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54,055.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1518 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1724

Mortgage

Document Number	0000007040,
Date	May 14, 2026
Instrument	20267040

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

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

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 13, 2024
Property Address	1518 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1724
Document Number	0202424817
Instrument Date	Dec 10, 2024
Instrument	2024-24817
Transaction Type	Transfer
Record Updated	May 26, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$455.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1518 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1724

Mortgage

Document Number	0202424818
Date	Dec 13, 2024
Instrument	2024-24818

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	12%

Mortgage

Document Number	0202424819
Date	Dec 13, 2024
Instrument	2024-24819

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	85 Months
Due	Jan 1, 2032

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 20, 2024
Property Address	1518 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1724
Document Number	0202425157
Instrument Date	Dec 10, 2024
Instrument	2024-25157
Transaction Type	Transfer
Record Updated	May 26, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1518 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1724

Tax Assessment & Valuation

The 2025 property tax bill for 1518 River Bluff Dr was $3,152 with a homeowner's exemption, up 36.9% 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	$3,152.00 (+36.92%) Homeowner's exemption	$210,040 Land $15,900 Building $194,140	$210,040 Land $15,900 Building $194,140
2024	$2,302.00
2023		$153,320 (+10.55%) Land $15,900 Building $137,420	$153,320 Land $15,900 Building $137,420
2022	$2,396.00 Homeowner's exemption	$138,690 Land $15,900 Building $122,790
2021			$138,690 Land $15,900 Building $122,790

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1518 River Bluff Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2016 · Severe Storms And Flooding

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 1518 River Bluff Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	0.02% 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 67 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
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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