1822 Orchard Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1822 Orchard Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,862 sqft · built 1952
Lot Size	0.88 acres (38,354 sqft)
Owner	2 Individual Names on File
Last Sale	$252,500 (Apr 2025)
Tax Bill	$4,782 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-19-252-013`

Property Details

APN / Parcel Number

Primary APN	`8913-19-252-013`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,862 sqft Living Area
1st Floor Area	1,206 sqft
Basement Area	1,574 sqft
Finished Basement	125 sqft
Unfinished Basement	1,574 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	38,354 sqft (0.88 acres)
Lot Dimensions	302 ft deep x 127 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	336 sqft
Patio Area	24 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1822 ORCHARD DR
City	CEDAR FALLS
State	IA
Zip	50613-5739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORCHARD HILL PLAT S 1/2 LOT 20
Legal Range	13W
Legal Township	89N
Legal Section	19
Legal Subdivision	ORCHARD HILL PLAT
Legal Lot Number	20
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2006
Census Tract	2500

Owner

1822 Orchard Dr is owned and occupied by two individuals who bought it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	212 OAK RIDGE CIR, WAVERLY, IA 50677-9253
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 9, 2025	Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage MIDWESTONE BANK
Aug 5, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage GREENSTATE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2025 · Amount on File
Deed Sale	Apr 9, 2025 · Amount on File
Prior Sale	Aug 5, 2019 · Amount on File
Deed Document Number	20254651
Record Updated	Oct 29, 2026

April 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 9, 2025
Property Address	1822 ORCHARD DR, CEDAR FALLS, IA 50613-5739
Document Number	0202504651
Instrument Date	Apr 1, 2025
Instrument	2025-04651
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$403.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	212 OAK RIDGE CIR, WAVERLY, IA 50677-9253

Mortgage

Document Number	0202504652
Date	Apr 9, 2025
Instrument	2025-04652

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	12.1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1822 ORCHARD DR, CEDAR FALLS, IA 50613-5739
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100025254
Date	Jun 1, 2021
Instrument	202100025254

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1822 ORCHARD DR, CEDAR FALLS, IA 50613-5739
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700013088
Date	Jan 19, 2017
Instrument	2017-00013088

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 12, 2027

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 5, 2019
Property Address	1822 ORCHARD DR, CEDAR FALLS, IA 50613-5739
Document Number	202000002164
Instrument Date	Jul 29, 2019
Instrument	202000002164
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	1822 ORCHARD DR, CEDAR FALLS, IA 50613-5739

Mortgage

Document Number	202000002165
Date	Aug 5, 2019
Instrument	202000002165

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1822 Orchard Dr was $4,782 with a homeowner's exemption, up 9.6% 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	$4,782.00 (+9.58%) Homeowner's exemption	$318,540 Land $41,910 Building $276,630	$318,540 Land $41,910 Building $276,630
2024	$4,364.00
2023		$281,450 (+21.98%) Land $41,910 Building $239,540	$281,450 Land $41,910 Building $239,540
2022	$4,096.00 Homeowner's exemption	$230,740 Land $41,910 Building $188,830
2021			$230,740 Land $41,910 Building $188,830

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

Flood

FEMA maps place 1822 Orchard Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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	3 (1979–2000)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2000 · rainfall accumulation

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 1822 Orchard Dr 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 94% of the US · lower than 65% 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 340 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
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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