1614 E Ridgewood Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1614 E Ridgewood Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,692 sqft · built 1920
Lot Size	0.696 acres (30,315 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Jun 2006)
Tax Bill	$6,810 (2025)
Deeds & Mortgages	May 2022 Line of Credit Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-18-278-001`

Property Details

APN / Parcel Number

Primary APN	`8913-18-278-001`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	4 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,692 sqft Living Area
1st Floor Area	1,142 sqft
Basement Area	1,430 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,315 sqft (0.696 acres)
Lot Dimensions	258 ft deep x 165 ft wide
Garage Type	Detached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	406 sqft
Deck Area	588 sqft
Patio Area	364 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	1614 E RIDGEWOOD DR
City	CEDAR FALLS
State	IA
Zip	50613-4544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR HEIGHTS DIV J ALL LOT 1 ALL LOT 2 ALL LOT 3 EXC COM AT SW COR SAID LOT 1 TH NLY ALONG WLY LINE SAID LOT 110 FT TH NELY
Legal Range	13W
Legal Township	89N
Legal Section	18
Legal Subdivision	CEDAR HEIGHTS DIV J
Legal Lot Number	1-3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2000
Census Tract	2400

Owner

1614 E Ridgewood Dr is owned and occupied by two individuals who bought it in June 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	1614 E RIDGEWOOD DR, CEDAR FALLS, IA 50613-4544
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
May 11, 2022	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Dec 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2006 · Amount on File
Deed Sale	Jun 2, 2006 · Amount on File
Deed Document Number	200628826
Prior Transfer Date	May 31, 2006
Prior Transfer Doc	2006028826
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1614 E RIDGEWOOD DR, CEDAR FALLS, IA 50613-4544
Transaction Type	Mortgage
Record Updated	May 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1614 E RIDGEWOOD DR, CEDAR FALLS, IA 50613-4544

Mortgage

Document Number	202200021752
Date	May 11, 2022
Instrument	202200021752

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1614 E RIDGEWOOD DR, CEDAR FALLS, IA 50613-4544
Transaction Type	Mortgage
Record Updated	Dec 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00009974
Date	Dec 11, 2017
Instrument	2018-00009974

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	Jan 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 1614 E Ridgewood Dr was $6,810 with a homeowner's exemption, up 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	$6,810.00 (+8.96%) Homeowner's exemption	$464,620 Land $56,160 Building $408,460	$464,620 Land $56,160 Building $408,460
2024	$6,250.00
2023		$398,630 (+24.6%) Land $56,160 Building $342,470	$398,630 Land $56,160 Building $342,470
2022	$5,742.00 Homeowner's exemption	$319,940 Land $56,160 Building $263,780
2021			$319,940 Land $56,160 Building $263,780

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

Flood

FEMA maps place 1614 E Ridgewood 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	8 (1993–2008)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 4 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 1614 E Ridgewood Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.03% 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 50 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	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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