2804 Ryan Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 2804 Ryan Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,464 sqft · built 1979
Lot Size	0.217 acres (9,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$233,000 (Jul 2018)
Tax Bill	$3,714 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-10-427-004`

Property Details

APN / Parcel Number

Primary APN	`8914-10-427-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,464 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Finished Basement	250 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,450 sqft (0.217 acres)
Lot Dimensions	126 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	336 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2804 RYAN DR
City	CEDAR FALLS
State	IA
Zip	50613-6646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ABRAHAM 1ST ADDITION LOT 16
Legal Range	14W
Legal Township	89N
Legal Section	10
Legal Subdivision	ABRAHAM 1ST ADDITION
Legal Lot Number	16
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3011
Census Tract	2605

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	2804 RYAN DR, CEDAR FALLS, IA 50613-6646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jul 27, 2018	Warranty Deed, Transfer VERIDIAN CREDIT UNION
Jun 20, 2017	Deed of Trust, Mortgage · Line of Credit COLLINS COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2018 · Amount on Record
Deed Sale	Jul 27, 2018 · Amount on Record
Deed Document Number	2018201900001511
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2804 RYAN DR, CEDAR FALLS, IA 50613-6646
Transaction Type	Mortgage
Record Updated	Apr 21, 2021
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 RYAN DR, CEDAR FALLS, IA 50613-6646

Mortgage

Document Number	202100021249
Date	Apr 8, 2021
Instrument	202100021249

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 27, 2018
Property Address	2804 RYAN DR, CEDAR FALLS, IA 50613-6646
Document Number	201900001511
Instrument Date	Jul 26, 2018
Instrument	201900001511
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2804 RYAN DR, CEDAR FALLS, IA 50613-6646

Mortgage

Document Number	201900001512
Date	Jul 27, 2018
Instrument	201900001512

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2804 RYAN DR, CEDAR FALLS, IA 50613-6646
Transaction Type	Mortgage
Record Updated	Aug 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-00022373
Date	Jun 20, 2017
Instrument	2017-00022373

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 15, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,714.00 (+2.71%) Homeowner's exemption	$258,260 (+9.92%) Land $40,010 Building $218,250	$258,260 (+9.92%) Land $40,010 Building $218,250
2024	$3,616.00 (+5.36%)
2023		$234,960 (+20.61%) Land $40,010 Building $194,950	$234,960 (+20.61%) Land $40,010 Building $194,950
2022	$3,432.00 Homeowner's exemption	$194,810 Land $40,010 Building $154,800
2021			$194,810 Land $40,010 Building $154,800

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force

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 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	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 406 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

May also be available: GigFire.

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