203 E Lake St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 203 E Lake St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,126 sqft · built 1939
Lot Size	0.806 acres (35,112 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Apr 2020)
Tax Bill	$2,086 (2025)
Deeds & Mortgages	Apr 2020 Foreclosure Apr 2020 Transfer
Flood Zone	Zone AE (high risk)
APN	`9014-36-380-003`

Property Details

APN / Parcel Number

Primary APN	`9014-36-380-003`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,126 sqft Living Area
1st Floor Area	600 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,112 sqft (0.806 acres)
Lot Dimensions	264 ft deep x 133 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	80 sqft
Patio Area	40 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	203 E LAKE ST
City	CEDAR FALLS
State	IA
Zip	50613-1258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECOND ADD TO WOODLAWN PLACE LOT 15
Legal Range	14W
Legal Township	90N
Legal Section	36
Legal Subdivision	SECOND ADD TO WOODLAWN PLACE
Legal Lot Number	15
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3017
Census Tract	2604

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	Individual Name on File
Mailing Address	203 E LAKE ST, CEDAR FALLS, IA 50613-1258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2020	Legal Action/Court Order, Foreclosure · Conventional Mortgage GREENSTATE CU
Apr 8, 2020	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2020 · Amount on File
Deed Sale	Apr 8, 2020 · Amount on File
Deed Document Number	202017364
Prior Transfer Date	Mar 20, 2020
Prior Transfer Doc	0000017363
Record Updated	Oct 29, 2026

April 2020: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 8, 2020
Property Address	203 E LAKE ST, CEDAR FALLS, IA 50613-1258
Document Number	202000017364
Instrument Date	Mar 20, 2020
Instrument	202000017364
Transaction Type	Foreclosure
Record Updated	Aug 10, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$188.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 E LAKE ST, CEDAR FALLS, IA 50613-1258

Mortgage

Document Number	202000017365
Date	Apr 8, 2020
Instrument	202000017365

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Apr 5, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	10.2%

Mortgage

Document Number	202000017366
Date	Apr 8, 2020
Instrument	202000017366

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 5, 2030

April 2020: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 8, 2020
Property Address	203 E LAKE ST, CEDAR FALLS, IA 50613-1258
Document Number	202000017363
Instrument Date	Mar 20, 2020
Instrument	202000017363
Transaction Type	Transfer
Record Updated	Feb 10, 2022

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	PO BOX 607, CEDAR FALLS, IA 50613-0028

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	$2,086.00 (+0.38%) Homeowner's exemption	$149,900 (+7.58%) Land $15,560 Building $134,340	$149,900 (+7.58%) Land $15,560 Building $134,340
2024	$2,078.00 (+2.47%)
2023		$139,340 (+17.31%) Land $19,450 Building $119,890	$139,340 (+17.31%) Land $19,450 Building $119,890
2022	$2,028.00 Homeowner's exemption	$118,780 Land $19,450 Building $99,330
2021			$118,780 Land $19,450 Building $99,330

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 77 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	77 in force
Nearby Flood Claims	231 (1979–2019)
Claims Outside the SFHA	5 of 231
Most Recent Claim	Mar 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 76 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 78 claims Severe Storms & Flooding, Aug 1993 · 29 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

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

Wildfire Risk	Low lower than 62% of the US · above 68% of Iowa
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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