206 Willow Oak Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 206 Willow Oak Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,660 sqft · built 2024
Lot Size	0.39 acres (17,000 sqft)
Owner	Individual Name on Record
Last Sale	$74,000 (Feb 2024)
Tax Bill	$956 (2025)
Deeds & Mortgages	Feb 2024 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`8814-02-452-004`

Property Details

APN / Parcel Number

Primary APN	`8814-02-452-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,660 sqft Living Area
Basement Area	1,660 sqft
Unfinished Basement	1,660 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asbestos
Lot Area	17,000 sqft (0.39 acres)
Lot Dimensions	170 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	1,060 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	206 WILLOW OAK DR
City	CEDAR FALLS
State	IA
Zip	50613-1287
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN OAKS FIRST ADDITION LOT 28
Legal Range	14W
Legal Township	88N
Legal Section	02
Legal Subdivision	TWIN OAKS FIRST ADDITION
Legal Lot Number	28
Jurisdiction	BLACK HAWK IA
Township / Civil Division	BLACK HAWK
Census Block Group	1
Census Block	1009
Census Tract	3002

Owner

Source: Black Hawk County records, as of May 27, 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	4828 ALGONQUIN DR, 1, CEDAR FALLS, IA 50613-8025
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2024 · Amount on Record
Deed Sale	Feb 12, 2024 · Amount on Record
Deed Document Number	20249992
Record Updated	Sep 20, 2026

February 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 12, 2024
Property Address	206 WILLOW OAK DR, HUDSON, IA 50643
Document Number	202400009992
Instrument Date	Feb 6, 2024
Instrument	202400009992
Transaction Type	Construction Loan
Record Updated	Mar 6, 2024

Transaction

Amount	Amount Recorded
Tax	$117.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4828 ALGONQUIN DR UNIT 1, 1, CEDAR FALLS, IA 50613-8025

Mortgage

Document Number	202400009993
Date	Feb 12, 2024
Instrument	202400009993

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	12%

Mortgage

Document Number	202400009993
Date	Feb 12, 2024
Instrument	202400009993

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2032
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	12%

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	Hudson City
Unified School District	Hudson Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$956.00	$470,410 (+5,132.59%) Land $63,600 Building $406,810	$470,410 (+5,132.59%) Land $63,600 Building $406,810
2024	$956.00 (+469.05%)
2023		$8,990 (-) Land $8,990	$8,990 (-) Land $8,990
2022	$168.00	$8,990 Land $8,990
2021			$8,990 Land $8,990

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (1990–2014)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Jun 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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.

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

May also be available: Cedar Falls Utilities, GigFire, Nextlink, STS Broadband.

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