2003 Main St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 2003 Main St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,872 sqft · built 1920
Lot Size	0.15 acres (6,534 sqft)
Owner	Company Name on File
Tax Bill	$2,598 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8914-13-333-005`

Property Details

APN / Parcel Number

Primary APN	`8914-13-333-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	99 ft deep x 66 ft wide
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	2003 MAIN ST
City	CEDAR FALLS
State	IA
Zip	50613-4215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAILROAD ADDITION C F LOT 1 BLK 20 E 33 FT LOT 8 BLK 20 & ALLEY VACATED BETWEEN
Legal Range	14W
Legal Township	89N
Legal Section	13
Legal Subdivision	RAILROAD ADDITION C F
Legal Block	20
Legal Lot Number	1,8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3006
Census Tract	2301

Owner

2003 Main St is owned by a company that acquired it in February 2025.

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

Owner of Record	Company Name on File
Mailing Address	800 LINCOLN WAY, AMES, IA 50010-6915
Owner Type	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
Aug 4, 2022	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Oct 24, 2017	Warranty Deed, Transfer BANKIOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 26, 2025
Transfer Doc	0000012895
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2003 MAIN ST, CEDAR FALLS, IA 50613-4215
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300002017
Date	Aug 4, 2022
Instrument	202300002017

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 24, 2017
Property Address	2003 MAIN ST, CEDAR FALLS, IA 50613-4215
Document Number	201800007236
Instrument Date	Oct 19, 2017
Instrument	2018-00007236
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 128, CEDAR FALLS, IA 50613-0016

Mortgage

Document Number	201800007237
Date	Oct 24, 2017
Instrument	2018-00007237

Lender

Name	BANKIOWA
Type	Bank
Address	WATERLOO, IA 50702

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2003 Main St was $2,598, up 0.5% 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	$2,598.00 (+0.46%)	$173,070 Land $43,560 Building $129,510	$173,070 Land $43,560 Building $129,510
2024	$2,586.00
2023		$160,710 (+10.72%) Land $29,040 Building $131,670	$160,710 Land $29,040 Building $131,670
2022	$2,680.00	$145,150 Land $29,040 Building $116,110
2021			$145,150 Land $29,040 Building $116,110

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

Flood

FEMA maps place 2003 Main St 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	5 in force
Nearby Flood Claims	5 (1979–2013)
Claims Outside the SFHA	1 of 5
Most Recent Claim	May 2013 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 1999 · 2 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

The area around 2003 Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 232 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

May also be available: GigFire, Nextlink.

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