1606 River Bluff Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1606 River Bluff Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,352 sqft · built 1944
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on File
Last Sale	$182,500 (Jan 2020)
Tax Bill	$3,330 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-02-452-017`

Property Details

APN / Parcel Number

Primary APN	`8914-02-452-017`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area
1st Floor Area	792 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft
Game Room	Game Room
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	520 sqft
Patio Area	520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1606 RIVER BLUFF DR
City	CEDAR FALLS
State	IA
Zip	50613-1726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER BLUFF PARK LOT 12,LOT 13,LOT 24 ALL LOT 23 EXC E 17 FT E 17 FT LOT 25
Legal Range	14W
Legal Township	89N
Legal Section	02
Legal Subdivision	RIVER BLUFF PARK
Legal Lot Number	12-13
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2104
Census Tract	2606

Owner

1606 River Bluff Dr is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1606 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1726
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
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN SAVINGS BANK
Apr 25, 2019	Deed of Trust, Mortgage · Balloon Mortgage VERIDIAN CREDIT UNION
Jan 24, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage LINCOLN SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2020 · Amount on File
Deed Sale	Jan 24, 2020 · Amount on File
Deed Document Number	202013129
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1606 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1726
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100018362
Date	Mar 3, 2021
Instrument	202100018362

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1606 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900015894
Date	Apr 25, 2019
Instrument	201900015894

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 24, 2020
Property Address	1606 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1726
Document Number	202000013129
Instrument Date	Jan 2, 2020
Instrument	202000013129
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1606 RIVER BLUFF DR, CEDAR FALLS, IA 50613-1726

Mortgage

Document Number	202000013130
Date	Jan 24, 2020
Instrument	202000013130

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1606 River Bluff Dr was $3,330 with a homeowner's exemption, up 25.9% 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	$3,330.00 (+25.85%) Homeowner's exemption	$232,670 Land $33,250 Building $199,420	$232,670 Land $33,250 Building $199,420
2024	$2,646.00
2023		$174,690 (+9.15%) Land $33,250 Building $141,440	$174,690 Land $33,250 Building $141,440
2022	$2,954.00	$160,040 Land $33,250 Building $126,790
2021			$160,040 Land $33,250 Building $126,790

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

Flood

FEMA maps place 1606 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 1606 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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