2018 Waterloo Rd, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 2018 Waterloo Rd, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,142 sqft · built 1940
Lot Size	0.201 acres (8,750 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Mar 2005)
Tax Bill	$1,594 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-18-158-020`

Property Details

APN / Parcel Number

Primary APN	`8913-18-158-020`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,142 sqft Living Area
1st Floor Area	846 sqft
Attic	Attic
Attic Area	296 sqft
Basement Area	846 sqft
Finished Basement	125 sqft
Unfinished Basement	846 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,750 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	128 sqft
Deck Area	Deck Area
Patio Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2018 WATERLOO RD
City	CEDAR FALLS
State	IA
Zip	50613-4432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHVIEW FIRST ADDITION LOT 27 EXC SELY 26 FT LOT 28 EXC NWLY 4 FT & EASE B 507 P 385 DEEDS
Legal Range	13W
Legal Township	89N
Legal Section	18
Legal Subdivision	HIGHVIEW FIRST ADDITION
Legal Lot Number	27,28
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	1
Census Block	1013
Census Tract	2400

Owner

2018 Waterloo Rd is owned and occupied by an individual who bought it in March 2005.

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

Owner of Record	Individual Name on File
Mailing Address	2018 WATERLOO RD, CEDAR FALLS, IA 50613-4432
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 31, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Nov 2, 2020	Deed of Trust, Mortgage · Commercial Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2005 · Amount on File
Deed Sale	Mar 9, 2005 · Amount on File
Deed Document Number	200520645
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 31, 2022
Property Address	2018 WATERLOO RD, CEDAR FALLS, IA 50613-4432
Document Number	202200019152
Instrument Date	Mar 7, 2022
Instrument	202200019152
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2018 WATERLOO RD, CEDAR FALLS, IA 50613-4432

Mortgage

Document Number	202200019153
Date	Mar 31, 2022
Instrument	202200019153

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2018 WATERLOO RD, CEDAR FALLS, IA 50613-4432
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100009531
Date	Nov 2, 2020
Instrument	202100009531

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	119 Months
Due	Oct 15, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 2018 Waterloo Rd was $1,594 with a homeowner's exemption, up 2.3% 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	$1,594.00 (+2.31%) Homeowner's exemption	$117,100 Land $23,770 Building $93,330	$117,100 Land $23,770 Building $93,330
2024	$1,558.00
2023		$107,070 (-16.52%) Land $23,770 Building $83,300	$107,070 Land $23,770 Building $83,300
2022	$2,204.00 Homeowner's exemption	$128,260 Land $23,770 Building $104,490
2021			$128,260 Land $23,770 Building $104,490

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

Flood

FEMA maps place 2018 Waterloo Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1993.

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 Policies	1 in force
Nearby Flood Claims	8 (1993–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 4 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 2018 Waterloo Rd 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 492 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cedar Falls Utilities Fiber	10,000 / 10,000
Nextlink Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire.

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