1609 Main St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1609 Main St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,407 sqft · built 1946
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$2,872 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8914-13-179-005`

Property Details

APN / Parcel Number

Primary APN	`8914-13-179-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,407 sqft Living Area
1st Floor Area	1,407 sqft
Basement Area	1,407 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
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	720 sqft
Parking Spaces	3 Parking Spaces
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1609 MAIN ST
City	CEDAR FALLS
State	IA
Zip	50613-4030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J R AND S CAMERONS SECOND ADD LOT 2 BLK 20
Legal Range	14W
Legal Township	89N
Legal Section	13
Legal Subdivision	J R AND S CAMERONS SECOND ADD
Legal Block	20
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	1
Census Block	1032
Census Tract	2301

Owner

1609 Main St is owned and occupied by an individual who acquired it in June 2013.

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

Owner of Record	Individual Name on File
Mailing Address	1609 MAIN ST, CEDAR FALLS, IA 50613-4030
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 10, 2013
Transfer Doc	2013025775
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1609 MAIN ST, CEDAR FALLS, IA 50613-4030
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800010070
Date	Dec 12, 2017
Instrument	2018-00010070

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 4, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1609 Main St was $2,872 with a homeowner's exemption, up 0.4% 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	$2,872.00 (+0.42%) Homeowner's exemption	$225,800 Land $48,510 Building $177,290	$225,800 Land $48,510 Building $177,290
2024	$2,860.00
2023		$210,100 (+14.14%) Land $32,340 Building $177,760	$210,100 Land $32,340 Building $177,760
2022	$3,172.00 Homeowner's exemption	$184,070 Land $32,340 Building $151,730
2021			$184,070 Land $32,340 Building $151,730

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

Flood

FEMA maps place 1609 Main St 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
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

Wildfire risk around 1609 Main St is low, with less than a 0.01% annual chance of 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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