2010 Terrace Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 2010 Terrace Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,248 sqft · built 1997
Lot Size	0.192 acres (8,375 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,616 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2018 Refinance
Flood Zone	Zone X (minimal risk)
APN	`8913-19-201-036`

Property Details

APN / Parcel Number

Primary APN	`8913-19-201-036`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Finished Basement	130 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Townhouse
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,375 sqft (0.192 acres)
Lot Dimensions	134 ft deep x 25 ft wide
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	140 sqft
Deck Area	169 sqft
Patio Area	169 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2010 TERRACE DR
City	CEDAR FALLS
State	IA
Zip	50613-5800
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	TERRACE OAKS ADDITION THAT PART LOT 3 DESC AS FOL: BEG AT SW COR SAID LOT 3 TH NELY 25.26 FT ALONG A 50 FT RADIUS CURVE
Legal Range	13W
Legal Township	89N
Legal Section	19
Legal Subdivision	TERRACE OAKS ADDITION
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	4
Census Block	4013
Census Tract	2400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2010 TERRACE DR, CEDAR FALLS, IA 50613-5800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Dec 27, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2010 TERRACE DR, CEDAR FALLS, IA 50613-5800
Transaction Type	Mortgage
Record Updated	Feb 21, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2010 TERRACE DR, CEDAR FALLS, IA 50613-5800

Mortgage

Document Number	202200016150
Date	Feb 8, 2022
Instrument	202200016150

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

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

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2010 TERRACE DR, CEDAR FALLS, IA 50613-5800
Transaction Type	Mortgage
Record Updated	Jan 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900009887
Date	Dec 27, 2018
Instrument	201900009887

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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	$3,616.00 (+4.93%) Homeowner's exemption	$266,320 (+11.86%) Land $27,230 Building $239,090	$266,320 (+11.86%) Land $27,230 Building $239,090
2024	$3,446.00 (+0.64%)
2023		$238,080 (+22.48%) Land $27,230 Building $210,850	$238,080 (+22.48%) Land $27,230 Building $210,850
2022	$3,424.00 Homeowner's exemption	$194,380 Land $27,230 Building $167,150
2021			$194,380 Land $27,230 Building $167,150

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
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jun 1980 · 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% 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 280 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile.

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