164 Summit Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 164 Summit Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1961
Lot Size	0.372 acres (16,200 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (May 2019)
Tax Bill	$3,446 (2025)
Deeds & Mortgages	May 2019 Mortgage May 2019 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`8914-14-202-016`

Property Details

APN / Parcel Number

Primary APN	`8914-14-202-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft
Finished Basement	750 sqft
Unfinished Basement	1,260 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,200 sqft (0.372 acres)
Lot Dimensions	120 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft
Patio Area	121 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	164 SUMMIT DR
City	CEDAR FALLS
State	IA
Zip	50613-3454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTWOOD HEIGHTS ADDITION LOT 3
Legal Range	14W
Legal Township	89N
Legal Section	14
Legal Subdivision	WESTWOOD HEIGHTS ADDITION
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3000
Census Tract	2304

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	Individual Name on Record
Mailing Address	164 SUMMIT DR, CEDAR FALLS, IA 50613-3454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2019	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA CREDIT UNION
May 17, 2019	Warranty Deed, Transfer · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2019 · Amount on Record
Deed Sale	May 17, 2019 · Amount on Record
Deed Document Number	201917108
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	164 SUMMIT DR, CEDAR FALLS, IA 50613-3454
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900017109
Date	May 17, 2019
Instrument	201900017109

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Type Change Date	Jun 5, 2029
Index	1-Year CMT

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 17, 2019
Property Address	164 SUMMIT DR, CEDAR FALLS, IA 50613-3454
Document Number	201900017108
Instrument Date	May 7, 2019
Instrument	201900017108
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
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	164 SUMMIT DR, CEDAR FALLS, IA 50613-3454

Mortgage

Document Number	201900017110
Date	May 17, 2019
Instrument	201900017110

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2029

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	$3,446.00 (+3.55%) Homeowner's exemption	$240,440 (+10.8%) Land $71,820 Building $168,620	$240,440 (+10.8%) Land $71,820 Building $168,620
2024	$3,328.00 (+0.85%)
2023		$217,000 (+15.68%) Land $46,170 Building $170,830	$217,000 (+15.68%) Land $46,170 Building $170,830
2022	$3,300.00 Homeowner's exemption	$187,590 Land $48,740 Building $138,850
2021			$187,590 Land $48,740 Building $138,850

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	8 (1979–2008)
Most Recent Claim	Apr 2008 · ground movement

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 97% of the US · lower than 76% 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 420 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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