2015 Terrace Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 2015 Terrace Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,248 sqft · built 1997
Lot Size	0.308 acres (13,405 sqft)
Owner	Individual Name on Record
Tax Bill	$4,158 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-19-201-039`

Property Details

APN / Parcel Number

Primary APN	`8913-19-201-039`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
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	925 sqft
Unfinished Basement	1,248 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	13,405 sqft (0.308 acres)
Lot Dimensions	190 ft deep x 41 ft wide
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2015 TERRACE DR
City	CEDAR FALLS
State	IA
Zip	50613-5876
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	TERRACE OAKS ADDITION THAT PART LOT 5 DESC AS FOL: BEG AT SE COR SAID LOT 5 TH S 77 DEG 35 MIN 52 SEC W 152.73 FT ALONG SELY
Legal Range	13W
Legal Township	89N
Legal Section	19
Legal Subdivision	TERRACE OAKS ADDITION
Legal Lot Number	5
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2015 TERRACE DR, CEDAR FALLS, IA 50613-5876
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jan 17, 2023	Affidavit of Death of Joint Tenant, Transfer
Dec 1, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 16, 2023
Transfer Doc	0000010269
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2015 TERRACE DR, CEDAR FALLS, IA 50613-5876
Transaction Type	Mortgage
Record Updated	Feb 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800006102
Date	Oct 5, 2017
Instrument	2018-00006102

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2015 TERRACE DR, CEDAR FALLS, IA 50613-5876
Transaction Type	Mortgage
Record Updated	Feb 3, 2023
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 TERRACE DR, CEDAR FALLS, IA 50613-5876

Mortgage

Document Number	202100013653
Date	Dec 29, 2020
Instrument	202100013653

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

January 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 17, 2023
Property Address	2015 TERRACE DR, CEDAR FALLS, IA 50613-5876
Document Number	202300010269
Instrument Date	Jan 13, 2023
Instrument	202300010269
Transaction Type	Transfer
Record Updated	Feb 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 TERRACE DR, CEDAR FALLS, IA 50613-5876

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 1, 2017
Property Address	2015 TERRACE DR, CEDAR FALLS, IA 50613-5876
Document Number	201800009454
Instrument Date	Nov 30, 2017
Instrument	2018-00009454
Transaction Type	Transfer
Record Updated	Feb 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2015 TERRACE DR, CEDAR FALLS, IA 50613-5876

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	$4,158.00 (+4.47%) Homeowner's exemption	$287,950 (+11.79%) Land $30,820 Building $257,130	$287,950 (+11.79%) Land $30,820 Building $257,130
2024	$3,980.00 (+4.96%)
2023		$257,580 (+20.22%) Land $30,820 Building $226,760	$257,580 (+20.22%) Land $30,820 Building $226,760
2022	$3,792.00 Homeowner's exemption	$214,250 Land $30,820 Building $183,430
2021			$214,250 Land $30,820 Building $183,430

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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