1524 Main St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1524 Main St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,780 sqft · built 1915
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jun 2025)
Tax Bill	$3,162 (2025)
Deeds & Mortgages	May 2018 Mortgage Jun 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8914-13-210-003`

Property Details

APN / Parcel Number

Primary APN	`8914-13-210-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,780 sqft Living Area
1st Floor Area	888 sqft
Basement Area	888 sqft
Finished Basement	550 sqft
Unfinished Basement	888 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	738 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	120 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1524 MAIN ST
City	CEDAR FALLS
State	IA
Zip	50613-4147
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TAYLORS ADDITION LOT 5 BLK 12
Legal Range	14W
Legal Township	89N
Legal Section	13
Legal Subdivision	TAYLORS ADDITION
Legal Block	12
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	1
Census Block	1015
Census Tract	2301

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1524 MAIN ST, CEDAR FALLS, IA 50613-4147
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 1, 2018	Deed of Trust, Mortgage · ARM VERIDIAN CREDIT UNION
Jun 6, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICAN FINANCING CORP
Jun 6, 2025	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCING CORP
Jul 11, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2025 · Amount on Record
Deed Sale	Jun 6, 2025 · Amount on Record
Prior Sale	Jul 11, 2023 · Amount on Record
Deed Document Number	20257924
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1524 MAIN ST, CEDAR FALLS, IA 50613-4147
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800017751
Date	May 1, 2018
Instrument	201800017751

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	May 1, 2028
Index	Other

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1524 MAIN ST, CEDAR FALLS, IA 50613-4147
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202507926
Date	Jun 6, 2025
Instrument	2025-07926

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	3045 S PARKER RD # B-100, AURORA, CO 80014

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2035

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 6, 2025
Property Address	1524 MAIN ST, CEDAR FALLS, IA 50613-4147
Document Number	0202507924
Instrument Date	Jun 4, 2025
Instrument	2025-07924
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$423.20
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	1524 MAIN ST, CEDAR FALLS, IA 50613-4147

Mortgage

Document Number	0202507925
Date	Jun 6, 2025
Instrument	2025-07925

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 11, 2022
Property Address	1524 MAIN ST, CEDAR FALLS, IA 50613-4147
Document Number	202300000484
Instrument Date	Jun 7, 2022
Instrument	202300000484
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1524 MAIN ST, CEDAR FALLS, IA 50613-4147

Mortgage

Document Number	202300000485
Date	Jul 11, 2022
Instrument	202300000485

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

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	$3,162.00 (-4.41%)	$221,580 (+7.81%) Land $48,510 Building $173,070	$221,580 (+7.81%) Land $48,510 Building $173,070
2024	$3,308.00 (+21.8%)
2023		$205,520 (+31.76%) Land $32,340 Building $173,180	$205,520 (+31.76%) Land $32,340 Building $173,180
2022	$2,716.00 Homeowner's exemption	$155,980 Land $32,340 Building $123,640
2021			$155,980 Land $32,340 Building $123,640

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	13 (2008–2020)
Claims Outside the SFHA	4 of 13
Most Recent Claim	Feb 2020 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2016 · 6 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 5 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 99.8% of the US · lower than 98.1% 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 492 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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