204 E 12th St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 204 E 12th St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,133 sqft · built 1910
Lot Size	0.355 acres (15,444 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Jun 2025)
Tax Bill	$2,750 (2025)
Deeds & Mortgages	Jun 2025 Second Mortgage Jun 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-12-464-014`

Property Details

APN / Parcel Number

Primary APN	`8914-12-464-014`
Alternative APN	`891412464010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,133 sqft Living Area
1st Floor Area	384 sqft
Basement Area	768 sqft
Finished Basement	384 sqft
Unfinished Basement	768 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,444 sqft (0.355 acres)
Lot Dimensions	117 ft deep x 132 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	112 sqft
Patio Area	190 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	204 E 12TH ST
City	CEDAR FALLS
State	IA
Zip	50613-3314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PACIFIC ADDITION S 6 FT LOT 479 LOT 480 LOT 481
Legal Range	14W
Legal Township	89N
Legal Section	12
Legal Subdivision	PACIFIC ADDITION
Legal Lot Number	479-481
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3028
Census Tract	2200

Owner

Source: Black Hawk County records, as of September 29, 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	204 E 12TH ST, CEDAR FALLS, IA 50613-3314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Jun 10, 2025	Deed, Transfer · Conventional Mortgage VERIDIAN CU
May 20, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2025 · Amount on Record
Deed Sale	Jun 10, 2025 · Amount on Record
Prior Sale	Apr 15, 2025 · Amount on Record
Deed Document Number	20258178
Prior Transfer Date	Apr 2, 2025
Prior Transfer Doc	0000004945
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	204 E 12TH ST, CEDAR FALLS, IA 50613-3314
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202508180
Date	Jun 10, 2025
Instrument	2025-08180

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Jul 1, 2032

June 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 10, 2025
Property Address	204 E 12TH ST, CEDAR FALLS, IA 50613-3314
Document Number	0202508178
Instrument Date	Jun 4, 2025
Instrument	2025-08178
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 E 12TH ST, CEDAR FALLS, IA 50613-3314

Mortgage

Document Number	0202508179
Date	Jun 10, 2025
Instrument	2025-08179

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2032
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	12.1%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 20, 2022
Property Address	204 E 12TH ST, CEDAR FALLS, IA 50613-3314
Document Number	202200022641
Instrument Date	May 11, 2022
Instrument	202200022641
Transaction Type	Transfer
Record Updated	Jun 23, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$233.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	204 E 12TH ST, CEDAR FALLS, IA 50613-3314

Mortgage

Document Number	202200022642
Date	May 20, 2022
Instrument	202200022642

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

Mortgage

Document Number	202200022699
Date	May 20, 2022
Instrument	202200022699

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2032

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	$2,750.00 (+16.43%) Homeowner's exemption	$183,230 (+16.66%) Land $79,100 Building $104,130	$183,230 (+16.66%) Land $79,100 Building $104,130
2024	$2,362.00 (+1.81%)
2023		$157,060 (+16.76%) Land $52,730 Building $104,330	$157,060 (+16.76%) Land $52,730 Building $104,330
2022	$2,320.00 Homeowner's exemption	$134,510 Land $52,730 Building $81,780
2021			$134,510 Land $52,730 Building $81,780

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	14 (1990–2016)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 3 claims Severe Storms, Flooding, And Tornadoes, May 1999 · 3 claims Severe Storms & Flooding, Aug 1993 · 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

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
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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