2023 Waterloo Rd, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 2023 Waterloo Rd, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,014 sqft · built 1966
Lot Size	0.173 acres (7,532 sqft)
Owner	Individual Name on Record
Last Sale	$66,500 (Apr 2012)
Tax Bill	$3,082 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Dec 2014 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-18-301-012`

Property Details

APN / Parcel Number

Primary APN	`8913-18-301-012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,014 sqft Living Area
1st Floor Area	1,014 sqft
Basement Area	1,014 sqft
Finished Basement	425 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	7,532 sqft (0.173 acres)
Lot Dimensions	131 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Patio Area	171 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2023 WATERLOO RD
City	CEDAR FALLS
State	IA
Zip	50613-4431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GUERNSEYS PARK ADDITION PART OF LOTS 4 & 5 DESC AS FOL BEG AT NELY COR SAID LOT 5 TH SWLY TO SELY COR OF LOT 5 TH W ALONG S
Legal Range	13W
Legal Township	89N
Legal Section	18
Legal Subdivision	GUERNSEYS PARK ADDITION
Legal Lot Number	4,5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2000
Census Tract	2301

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	2023 WATERLOO RD, CEDAR FALLS, IA 50613-4431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB
Dec 9, 2014	Deed of Trust, Mortgage VERIDIAN CU
Oct 27, 2016	Deed of Trust, Mortgage VERIDIAN CU
Aug 7, 2014	Deed of Trust, Mortgage VERIDIAN CU
Apr 18, 2012	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2012 · Amount on Record
Deed Sale	Apr 18, 2012 · Amount on Record
Prior Sale	Aug 25, 2008 · Amount on Record
Deed Document Number	201219217
Prior Transfer Date	Apr 13, 2012
Prior Transfer Doc	2012019217
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2023 WATERLOO RD, CEDAR FALLS, IA 50613-4431
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800011478
Date	Jan 5, 2018
Instrument	2018-00011478

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2033

December 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2023 WATERLOO RD, CEDAR FALLS, IA 50613-4431
Transaction Type	Mortgage
Record Updated	May 14, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201500009646
Date	Dec 9, 2014
Instrument	201500009646

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Dec 20, 2019

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2023 WATERLOO RD, CEDAR FALLS, IA 50613-4431
Transaction Type	Mortgage
Record Updated	May 14, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700008108
Date	Oct 27, 2016
Instrument	2017-00008108

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Nov 10, 2031

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2023 WATERLOO RD, CEDAR FALLS, IA 50613-4431
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500002427
Date	Aug 7, 2014
Instrument	201500002427

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Aug 20, 2019

April 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 18, 2012
Property Address	2023 WATERLOO RD, CEDAR FALLS, IA 50613-4431
Document Number	2012019217
Instrument Date	Apr 13, 2012
Instrument	2012019217
Transaction Type	Transfer
Record Updated	May 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2023 WATERLOO RD, CEDAR FALLS, IA 50613-4431

Mortgage

Document Number	2012019218
Date	Apr 18, 2012
Instrument	2012-019218

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2027

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	$3,082.00 (+10.78%) Homeowner's exemption	$216,200 (+18.05%) Land $23,520 Building $192,680	$216,200 (+18.05%) Land $23,520 Building $192,680
2024	$2,782.00 (+10.4%)
2023		$183,140 (+25.94%) Land $23,520 Building $159,620	$183,140 (+25.94%) Land $23,520 Building $159,620
2022	$2,520.00 Homeowner's exemption	$145,420 Land $23,520 Building $121,900
2021			$145,420 Land $23,520 Building $121,900

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
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	4 in force

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	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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