1709 E Ridgewood Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1709 E Ridgewood Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,344 sqft · built 1967
Lot Size	0.555 acres (24,182 sqft)
Owner	Company Name on File
Tax Bill	$3,370 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Aug 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-18-277-019`

Property Details

APN / Parcel Number

Primary APN	`8913-18-277-019`
Alternative APN	`8913-18-277-032`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,344 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Finished Basement	625 sqft
Game Room	Game Room
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Split Foyer
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,182 sqft (0.555 acres)
Lot Dimensions	214 ft deep x 113 ft wide
Deck Area	384 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	8913-18-277-019
Street Address	1709 E RIDGEWOOD DR
City	CEDAR FALLS
State	IA
Zip	50613-4545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR HEIGHTS DIV I ALL LOT 6 EXC NELY 65 FT MEASURED PERPENDICULARLY TO NELY LINE OF SAID LOT NELY 56 FT LOT 4 MEASURED
Legal Range	13W
Legal Township	89N
Legal Section	18
Legal Subdivision	CEDAR HEIGHTS DIV I
Legal Lot Number	4,6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2001
Census Tract	2400

Owner

1709 E Ridgewood Dr is owned by a company that acquired it in February 2007 and is owner-occupied.

Source: Black Hawk County records, as of May 27, 2026

Owner of Record	Company Name on File
Mailing Address	220 CLAY ST, CEDAR FALLS, IA 50613-2726
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

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
Nov 26, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
Aug 22, 2023	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Oct 29, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2007
Deed Sale	Feb 7, 2007
Deed Document Number	200716981
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1709 E RIDGEWOOD DR, CEDAR FALLS, IA 50613-4545
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201900008226
Date	Nov 26, 2018
Instrument	201900008226

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount on Record
Term	50 Months
Due	Jan 1, 2023

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1709 E RIDGEWOOD DR, CEDAR FALLS, IA 50613-4545
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202400002613
Date	Aug 22, 2023
Instrument	202400002613

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 21, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 29, 2024
Property Address	1709 E RIDGEWOOD DR, CEDAR FALLS, IA 50613-4545
Document Number	0202422470
Instrument Date	Oct 10, 2024
Instrument	2024-22470
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1709 E RIDGEWOOD DR, CEDAR FALLS, IA 50613-4545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 CLAY ST, CEDAR FALLS, IA 50613-2726
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1709 E Ridgewood Dr was $3,370 with a homeowner's exemption.

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	$3,370.00 Homeowner's exemption	$277,290 Land $45,560 Building $231,730	$277,290 Land $45,560 Building $231,730
2024	$3,370.00
2023		$241,820 (+19.12%) Land $45,560 Building $196,260	$241,820 Land $45,560 Building $196,260
2022	$3,522.00 Homeowner's exemption	$203,000 Land $45,560 Building $157,440
2021			$203,000 Land $45,560 Building $157,440

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

Flood

FEMA maps place 1709 E Ridgewood Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1993.

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	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 1709 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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