2600 Waterloo Rd, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 2600 Waterloo Rd, Cedar Falls, IA 50613

Property Summary

Property Type	Duplex
Details	2 bd · 2.5 ba · 984 sqft · built 1960
Lot Size	0.385 acres (16,775 sqft)
Owner	Individual Name on File
Last Sale	$233,000 (Jun 2025)
Tax Bill	$3,324 (2025)
Deeds & Mortgages	Jan 2018 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-18-380-001`

Property Details

APN / Parcel Number

Primary APN	`8913-18-380-001`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	984 sqft Total Area
1st Floor Area	984 sqft
Basement Area	984 sqft
Finished Basement	750 sqft
Unfinished Basement	984 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Duplex Single
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,775 sqft (0.385 acres)
Lot Dimensions	110 ft deep x 145 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2600 WATERLOO RD
City	CEDAR FALLS
State	IA
Zip	50613-4442
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LANGSKOVS OAKLAND PARK ADD LOT 44
Legal Range	13W
Legal Township	89N
Legal Section	18
Legal Subdivision	LANGSKOVS OAKLAND PARK ADD
Legal Lot Number	44
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	4
Census Block	4011
Census Tract	2400

Owner

2600 Waterloo Rd, a duplex, is owned and occupied by an individual who bought it in June 2025.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	2600 WATERLOO RD, CEDAR FALLS, IA 50613-4442
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2018	Deed of Trust, Mortgage FIRST NATIONAL BANK
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage DEERE EMPLOYEES CU
Jun 2, 2025	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2025 · Amount on File
Deed Sale	Jun 2, 2025 · Amount on File
Prior Sale	Jul 13, 2018 · Amount on File
Deed Document Number	20257503
Prior Transfer Date	Dec 22, 2005
Prior Transfer Doc	2006015936
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2600 WATERLOO RD, CEDAR FALLS, IA 50613-4442
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800012526
Date	Jan 26, 2018
Instrument	201800012526

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2600 WATERLOO RD, CEDAR FALLS, IA 50613-4442
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACKHAWK CNTY ABSTRACT & TT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000019377
Date	May 7, 2020
Instrument	202000019377

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	2.62%
Max Rate At Change	4.62%
Index	1-Year CMT
Max Rate	7.62%

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 2, 2025
Property Address	2600 WATERLOO RD, CEDAR FALLS, IA 50613-4442
Document Number	0202507503
Instrument Date	May 22, 2025
Instrument	2025-07503
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	RESOURCE SETTLEMENT, REALCLEAR SETTLEMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$372.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2600 WATERLOO RD, CEDAR FALLS, IA 50613-4442

Mortgage

Document Number	0202507504
Date	Jun 2, 2025
Instrument	2025-07504

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2030
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	11.7%

Tax Assessment & Valuation

The 2025 property tax bill for 2600 Waterloo Rd was $3,324, down 2.6% 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	$3,324.00 (-2.58%)	$232,390 Land $41,060 Building $191,330	$232,390 Land $41,060 Building $191,330
2024	$3,412.00
2023		$212,040 (+17.36%) Land $41,060 Building $170,980	$212,040 Land $41,060 Building $170,980
2022	$3,336.00	$180,670 Land $41,060 Building $139,610
2021			$180,670 Land $41,060 Building $139,610

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

Flood

FEMA maps place 2600 Waterloo Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

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
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jun 1980 · rainfall accumulation

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

Wildfire risk around 2600 Waterloo Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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