2813 Garden Ave, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 2813 Garden Ave, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,588 sqft · built 1956
Lot Size	0.413 acres (18,000 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Oct 2018)
Tax Bill	$3,474 (2025)
Deeds & Mortgages	Oct 2019 Refinance Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-20-126-003`

Property Details

APN / Parcel Number

Primary APN	`8913-20-126-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,588 sqft Living Area
1st Floor Area	1,028 sqft
Basement Area	1,028 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	18,000 sqft (0.413 acres)
Lot Dimensions	200 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Deck Area	100 sqft
Patio Area	324 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2813 GARDEN AVE
City	CEDAR FALLS
State	IA
Zip	50613-6042
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDARLOO PARK LOT C 110
Legal Range	13W
Legal Township	89N
Legal Section	20
Legal Subdivision	CEDARLOO PARK
Legal Lot Number	110
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3005
Census Tract	2400

Owner

2813 Garden Ave is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	2813 GARDEN AVE, CEDAR FALLS, IA 50613-6042
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
Oct 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Oct 31, 2018	Warranty Deed, Transfer LINCOLN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2018 · Amount on File
Deed Sale	Oct 31, 2018 · Amount on File
Deed Document Number	2018201900007102
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2813 GARDEN AVE, CEDAR FALLS, IA 50613-6042
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000007064
Date	Oct 16, 2019
Instrument	202000007064

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2813 GARDEN AVE, CEDAR FALLS, IA 50613-6042
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100000944
Date	Jul 14, 2020
Instrument	202100000944

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 31, 2018
Property Address	2813 GARDEN AVE, CEDAR FALLS, IA 50613-6042
Document Number	201900007102
Instrument Date	Oct 30, 2018
Instrument	201900007102
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount 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	2813 GARDEN AVE, CEDAR FALLS, IA 50613-6042

Mortgage

Document Number	201900007103
Date	Oct 31, 2018
Instrument	201900007103

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2813 Garden Ave was $3,474 with a homeowner's exemption, down 1% 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	$3,474.00 (-0.97%) Homeowner's exemption	$256,880 Land $37,460 Building $219,420	$256,880 Land $37,460 Building $219,420
2024	$3,508.00
2023		$241,910 (+25.13%) Land $37,460 Building $204,450	$241,910 Land $37,460 Building $204,450
2022	$3,406.00 Homeowner's exemption	$193,320 Land $37,460 Building $155,860
2021			$193,320 Land $37,460 Building $155,860

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

Flood

FEMA maps place 2813 Garden Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2813 Garden Ave is low, with 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 97% of the US · lower than 76% 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 309 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: GigFire, Nextlink.

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