2020 Cottage Row Rd, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 2020 Cottage Row Rd, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,013 sqft · built 2019
Lot Size	1.34 acres (58,712 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Jun 2023)
Tax Bill	$2,116 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2023 Sale
Flood Zone	Zone AE (high risk)
APN	`8914-02-177-001`

Property Details

APN / Parcel Number

Primary APN	`8914-02-177-001`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	4 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,013 sqft Living Area
1st Floor Area	1,088 sqft
Basement Area	544 sqft
Unfinished Basement	544 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	58,712 sqft (1.34 acres)
Lot Dimensions	385 ft deep x 125 ft wide

Exterior Amenities

Pool Area	900 sqft
Porch	Open Porch
Porch Area	582 sqft
Deck Area	Deck Area
Patio Area	1,772 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	2020 COTTAGE ROW RD
City	CEDAR FALLS
State	IA
Zip	50613-6823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR BARNES PLAT NO 6 LOT 19
Legal Range	14W
Legal Township	89N
Legal Section	02
Legal Subdivision	AUDITOR BARNES PLAT NO 6
Legal Lot Number	19
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2078
Census Tract	2604

Owner

2020 Cottage Row Rd is owned by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	103 WINDING RIDGE RD, DENVER, IA 50622-1109
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
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN SAVINGS BANK
Jun 7, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2023 · Amount on File
Deed Sale	Jun 7, 2023 · Amount on File
Prior Sale	Apr 12, 2012 · Amount on File
Deed Document Number	202316441
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2020 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6823
Transaction Type	Mortgage
Record Updated	Jun 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100004824
Date	Sep 2, 2020
Instrument	202100004824

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 7, 2023
Property Address	2020 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6823
Document Number	202300016441
Instrument Date	Jun 7, 2023
Instrument	202300016441
Transaction Type	Transfer
Record Updated	Jun 22, 2023

Transaction

Amount	Amount on Record
Tax	$199.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CLAY ST, CEDAR FALLS, IA 50613-2837

Tax Assessment & Valuation

The 2025 property tax bill for 2020 Cottage Row Rd was $2,116, down 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	$2,116.00 (-0.47%)	$140,920 Land $110,410 Building $30,510	$140,920 Land $110,410 Building $30,510
2024	$2,126.00
2023		$132,060 (-71.24%) Land $103,920 Building $28,140	$132,060 Land $103,920 Building $28,140
2022	$8,312.00 Homeowner's exemption	$459,180 Land $103,920 Building $355,260
2021			$459,180 Land $103,920 Building $355,260

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

Flood

FEMA maps place 2020 Cottage Row Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 55 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	22 (2008–2019)
Most Recent Claim	Mar 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 20 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 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

Wildfire risk around 2020 Cottage Row Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 149 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
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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