Black Hawk County property record for 2616 Cottage Row Rd, Cedar Falls, IA 50613
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,033 sqft · built 1950 |
| Lot Size | 0.531 acres (23,125 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Jun 2025) |
| Tax Bill | $4,550 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jun 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 8914-03-226-011 |
| Primary APN | 8914-03-226-011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,033 sqft Living Area |
| 1st Floor Area | 1,925 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 23,125 sqft (0.531 acres) |
| Lot Dimensions | 250 ft deep x 65 ft wide |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 126 sqft |
| Patio Area | 136 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2616 COTTAGE ROW RD |
|---|---|
| City | CEDAR FALLS |
| State | IA |
| Zip | 50613-6811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AUDITOR BIGGS PLAT NO 2 LOT 7 |
| Legal Range | 14W |
| Legal Township | 89N |
| Legal Section | 03 |
| Legal Subdivision | AUDITOR BIGGS PLAT NO 2 |
| Legal Lot Number | 7 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | CEDAR FALLS |
| Census Block Group | 2 |
| Census Block | 2078 |
| Census Tract | 2604 |
2616 Cottage Row Rd is owned and occupied by two individuals who bought it in June 2025.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2616 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Jun 12, 2025 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| May 19, 2022 | Affidavit of Death of Joint Tenant, Transfer BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO |
| May 19, 2022 | Legal Action/Court Order, Foreclosure · Stand-Alone First Mortgage FIDELITY BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2025 · Amount on File |
| Deed Sale | Jun 12, 2025 · Amount on File |
| Prior Sale | May 19, 2022 · Amount on File |
| Deed Document Number | 20258346 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 2616 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6811 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Title Company | BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T |
| Name | Verified Name |
|---|---|
| Address | 2616 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6811 |
| Document Number | 0202603083 |
|---|---|
| Date | Mar 10, 2026 |
| Instrument | 2026-03083 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | 3940 N RAVENSWOOD AVE, CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jun 12, 2025 |
| Property Address | 2616 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6811 |
| Document Number | 0202508346 |
| Instrument Date | Jun 11, 2025 |
| Instrument | 2025-08346 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $704.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2616 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6811 |
| Document Number | 0202508347 |
|---|---|
| Date | Jun 12, 2025 |
| Instrument | 2025-08347 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 19, 2022 |
| Property Address | 2616 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6811 |
| Document Number | 202200022614 |
| Instrument Date | May 16, 2022 |
| Instrument | 202200022614 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2022 |
| Title Company | BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8107 BUCKRIDGE RD, CEDAR FALLS, IA 50613-9412 |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 19, 2022 |
| Property Address | 2616 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6811 |
| Document Number | 202200022615 |
| Instrument Date | May 16, 2022 |
| Instrument | 202200022615 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 2, 2022 |
| Title Company | BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $455.20 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7911 W 1ST ST, CEDAR FALLS, IA 50613-9002 |
| Document Number | 202200022616 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 202200022616 |
| Name | FIDELITY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | NEW HAMPTON, IA 50659 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 15, 2027 |
The 2025 property tax bill for 2616 Cottage Row Rd was $4,550, down 0.8% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Cedar Falls City |
| Unified School District | Cedar Falls Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,550.00 (-0.78%) | $303,160 Land $70,080 Building $233,080 | $303,160 Land $70,080 Building $233,080 |
| 2024 | $4,586.00 | ||
| 2023 | $284,980 (+30.49%) Land $70,080 Building $214,900 | $284,980 Land $70,080 Building $214,900 | |
| 2022 | $4,032.00 | $218,400 Land $70,080 Building $148,320 | |
| 2021 | $218,400 Land $70,080 Building $148,320 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2616 Cottage Row Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 55 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 22 (2008–2019) |
| Most Recent Claim | Mar 2019 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 2616 Cottage Row Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 65% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 13 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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