226 Clair St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 226 Clair St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,060 sqft · built 1999
Lot Size	1.14 acres (50,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Aug 2019)
Tax Bill	$7,650 (2025)
Deeds & Mortgages	Aug 2019 Refinance Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-01-176-011`

Property Details

APN / Parcel Number

Primary APN	`8914-01-176-011`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,060 sqft Living Area
1st Floor Area	2,060 sqft
Basement Area	2,060 sqft
Finished Basement	1,200 sqft
Unfinished Basement	2,060 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,000 sqft (1.14 acres)
Lot Dimensions	400 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	110 sqft
Deck Area	330 sqft
Patio Area	330 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	226 CLAIR ST
City	CEDAR FALLS
State	IA
Zip	50613-1381
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SKYLAKE ESTATES LOT 5
Legal Range	14W
Legal Township	89N
Legal Section	01
Legal Subdivision	SKYLAKE ESTATES
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3022
Census Tract	2604

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	2 Individual Names on Record
Mailing Address	226 CLAIR ST, CEDAR FALLS, IA 50613-1381
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Aug 12, 2019	Deed of Trust, Mortgage · ARM GREENSTATE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2019 · Amount on Record
Deed Sale	Aug 12, 2019 · Amount on Record
Deed Document Number	2019202000002662
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	226 CLAIR ST, CEDAR FALLS, IA 50613-1381
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000002664
Date	Aug 12, 2019
Instrument	202000002664

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	73 Months
Due	Sep 1, 2025

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	226 CLAIR ST, CEDAR FALLS, IA 50613-1381
Transaction Type	Mortgage
Record Updated	Jul 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200000006
Date	Jul 1, 2021
Instrument	202200000006

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	226 CLAIR ST, CEDAR FALLS, IA 50613-1381
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000002663
Date	Aug 12, 2019
Instrument	202000002663

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.3%
Type Change Date	Aug 5, 2029
Index	1-Year CMT

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	$7,650.00 (+0.08%)	$509,660 (+7.29%) Land $82,690 Building $426,970	$509,660 (+7.29%) Land $82,690 Building $426,970
2024	$7,644.00 (+9.2%)
2023		$475,030 (+25.28%) Land $82,690 Building $392,340	$475,030 (+25.28%) Land $82,690 Building $392,340
2022	$7,000.00	$379,180 Land $82,690 Building $296,490
2021			$379,180 Land $82,690 Building $296,490

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	0.02% 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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