1908 Vera Way, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 1908 Vera Way, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 1,868 sqft · built 2015
Lot Size	0.289 acres (12,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Jul 2022)
Tax Bill	$8,046 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8914-26-179-009`

Property Details

APN / Parcel Number

Primary APN	`8914-26-179-009`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,868 sqft Living Area
1st Floor Area	1,868 sqft
Basement Area	1,868 sqft
Finished Basement	950 sqft
Unfinished Basement	1,868 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,600 sqft (0.289 acres)
Lot Dimensions	140 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	305 sqft
Patio Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1908 VERA WAY
City	CEDAR FALLS
State	IA
Zip	50613-8075
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRAIRIE WINDS 1ST ADDITION LOT 6
Legal Range	14W
Legal Township	89N
Legal Section	26
Legal Subdivision	PRAIRIE WINDS 1ST ADDITION
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	1
Census Block	1004
Census Tract	2606

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	2 Individual Names on Record
Mailing Address	1908 VERA WAY, CEDAR FALLS, IA 50613-8075
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Warranty Deed, Transfer · Conventional Mortgage DEERE EMPLOYEES CU
Mar 27, 2017	Deed of Trust, Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2022 · Amount on Record
Deed Sale	Jul 7, 2022 · Amount on Record
Prior Sale	May 14, 2015 · Amount on Record
Deed Document Number	2022296
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 7, 2022
Property Address	1908 VERA WAY, CEDAR FALLS, IA 50613-8075
Document Number	202300000296
Instrument Date	Jun 30, 2022
Instrument	202300000296
Transaction Type	Transfer
Record Updated	Jul 20, 2022
Title Company	BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$831.20
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	1908 VERA WAY, CEDAR FALLS, IA 50613-8075

Mortgage

Document Number	202300000297
Date	Jul 7, 2022
Instrument	202300000297

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	8%

Mortgage

Document Number	202300000298
Date	Jul 7, 2022
Instrument	202300000298

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1908 VERA WAY, CEDAR FALLS, IA 50613-8075
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700016621
Date	Mar 27, 2017
Instrument	2017-00016621

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 15, 2027

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	$8,046.00 (+1.36%) Homeowner's exemption	$546,910 (+8.62%) Land $76,500 Building $470,410	$546,910 (+8.62%) Land $76,500 Building $470,410
2024	$7,938.00 (+1.04%)
2023		$503,530 (+18.33%) Land $76,500 Building $427,030	$503,530 (+18.33%) Land $76,500 Building $427,030
2022	$7,856.00 Homeowner's exemption	$425,540 Land $76,500 Building $349,040
2021			$425,540 Land $76,500 Building $349,040

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	5 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Apr 2008 · river or lake flooding

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 415 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 · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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