2132 Waterloo Rd, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 2132 Waterloo Rd, Cedar Falls, IA 50613

Property Summary

Property Type	Duplex
Details	6 bd · 4.5 ba · 1,728 sqft · built 1964
Lot Size	0.259 acres (11,280 sqft)
Owner	Individual Name on File
Last Sale	$287,500 (May 2023)
Tax Bill	$3,644 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-18-304-022`

Property Details

APN / Parcel Number

Primary APN	`8913-18-304-022`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,728 sqft Total Area
1st Floor Area	1,728 sqft
Basement Area	1,728 sqft
Finished Basement	100 sqft
Unfinished Basement	1,728 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Duplex Single
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,280 sqft (0.259 acres)
Lot Dimensions	120 ft deep x 94 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2132 WATERLOO RD
City	CEDAR FALLS
State	IA
Zip	50613-4434
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SECURITY ADDITION C F ALL LOT 10 NWLY 31.25 FT LOT 11
Legal Range	13W
Legal Township	89N
Legal Section	18
Legal Subdivision	SECURITY ADDITION C F
Legal Lot Number	10,11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	5
Census Block	5013
Census Tract	2400

Owner

2132 Waterloo Rd, a duplex, is owned and occupied by an individual who bought it in May 2023.

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	1624 ORIOLE AVE, WATERLOO, IA 50701-3671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2023 · Amount on File
Deed Sale	May 24, 2023 · Amount on File
Prior Sale	Mar 7, 2023 · Amount on File
Deed Document Number	202315757
Prior Transfer Date	Mar 24, 2022
Prior Transfer Doc	0000018894
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 24, 2023
Property Address	2132 WATERLOO RD, CEDAR FALLS, IA 50613-4434
Document Number	202300015757
Instrument Date	May 8, 2023
Instrument	202300015757
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$459.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2130 WATERLOO RD # 2132, 2132, CEDAR FALLS, IA 50613-4434

Mortgage

Document Number	202300015758
Date	May 24, 2023
Instrument	202300015758

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Jun 1, 2033
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	1-Year T-Bill
Max Rate	12.6%

Mortgage

Document Number	202300015759
Date	May 24, 2023
Instrument	202300015759

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 2132 Waterloo Rd was $3,644 with a homeowner's exemption, up 8.1% 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	$3,644.00 (+8.13%) Homeowner's exemption	$242,700 Land $28,130 Building $214,570	$242,700 Land $28,130 Building $214,570
2024	$3,370.00
2023		$219,670 (+21.33%) Land $28,130 Building $191,540	$219,670 Land $28,130 Building $191,540
2022	$3,342.00	$181,050 Land $28,130 Building $152,920
2021			$181,050 Land $28,130 Building $152,920

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

Flood

FEMA maps place 2132 Waterloo Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
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	4 (1993–1999)
Most Recent Claim	Jul 1999 · Severe Storms And Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 3 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

The area around 2132 Waterloo Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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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