2807 W 3rd St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 2807 W 3rd St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,044 sqft · built 1993
Lot Size	0.232 acres (10,092 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jun 2019)
Tax Bill	$5,134 (2025)
Deeds & Mortgages	Mar 2019 Refinance Oct 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-10-281-008`

Property Details

APN / Parcel Number

Primary APN	`8914-10-281-008`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,044 sqft Living Area
1st Floor Area	1,014 sqft
Basement Area	1,014 sqft
Unfinished Basement	1,014 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,092 sqft (0.232 acres)
Lot Dimensions	116 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	104 sqft
Deck Area	576 sqft
Patio Area	576 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2807 W 3RD ST
City	CEDAR FALLS
State	IA
Zip	50613-1801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR CREST SECOND ADDITION LOT 26
Legal Range	14W
Legal Township	89N
Legal Section	10
Legal Subdivision	CEDAR CREST SECOND ADDITION
Legal Lot Number	26
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3009
Census Tract	2605

Owner

2807 W 3rd St is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2807 W 3RD ST, CEDAR FALLS, IA 50613-1801
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
Mar 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK
Oct 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK
Jun 20, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2019 · Amount on File
Deed Sale	Jun 20, 2019 · Amount on File
Deed Document Number	201919270
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2807 W 3RD ST, CEDAR FALLS, IA 50613-1801
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900014031
Date	Mar 22, 2019
Instrument	201900014031

Lender

Name	FARMERS STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2034

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2807 W 3RD ST, CEDAR FALLS, IA 50613-1801
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000006672
Date	Oct 10, 2019
Instrument	202000006672

Lender

Name	FARMERS STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 20, 2019
Property Address	2807 W 3RD ST, CEDAR FALLS, IA 50613-1801
Document Number	201900019270
Instrument Date	Jun 14, 2019
Instrument	201900019270
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
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
Address	2807 W 3RD ST, CEDAR FALLS, IA 50613-1801

Mortgage

Document Number	201900019271
Date	Jun 20, 2019
Instrument	201900019271

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2807 W 3rd St was $5,134 with a homeowner's exemption, up 3.9% 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	$5,134.00 (+3.93%) Homeowner's exemption	$352,920 Land $36,800 Building $316,120	$352,920 Land $36,800 Building $316,120
2024	$4,940.00
2023		$317,250 (+13.75%) Land $36,800 Building $280,450	$317,250 Land $36,800 Building $280,450
2022	$4,984.00 Homeowner's exemption	$278,890 Land $36,800 Building $242,090
2021			$278,890 Land $36,800 Building $242,090

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

Flood

FEMA maps place 2807 W 3rd St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2807 W 3rd St 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 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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