2815 Ryan Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 2815 Ryan Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,308 sqft · built 1996
Lot Size	0.219 acres (9,525 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Feb 2021)
Tax Bill	$4,234 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jun 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8914-10-426-002`

Property Details

APN / Parcel Number

Primary APN	`8914-10-426-002`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,308 sqft Living Area
1st Floor Area	1,308 sqft
Basement Area	1,308 sqft
Finished Basement	900 sqft
Unfinished Basement	1,308 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,525 sqft (0.219 acres)
Lot Dimensions	127 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	180 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2815 RYAN DR
City	CEDAR FALLS
State	IA
Zip	50613-6645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ABRAHAM 1ST ADDITION LOT 11
Legal Range	14W
Legal Township	89N
Legal Section	10
Legal Subdivision	ABRAHAM 1ST ADDITION
Legal Lot Number	11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3013
Census Tract	2605

Owner

2815 Ryan Dr is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2815 RYAN DR, CEDAR FALLS, IA 50613-6645
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
Feb 8, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Jun 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERMILLION STATE BANK
May 14, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION
Mar 28, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2021 · Amount on File
Deed Sale	Feb 8, 2021 · Amount on File
Prior Sale	Feb 29, 2012 · Amount on File
Deed Document Number	202116640
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 8, 2021
Property Address	2815 RYAN DR, CEDAR FALLS, IA 50613-6645
Document Number	202100016640
Instrument Date	Jan 12, 2021
Instrument	202100016640
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	$439.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2815 RYAN DR, CEDAR FALLS, IA 50613-6645

Mortgage

Document Number	202100016641
Date	Feb 8, 2021
Instrument	202100016641

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2815 RYAN DR, CEDAR FALLS, IA 50613-6645
Transaction Type	Mortgage
Record Updated	Jul 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900019090
Date	Jun 18, 2019
Instrument	201900019090

Lender

Name	VERMILLION STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2815 RYAN DR, CEDAR FALLS, IA 50613-6645
Transaction Type	Mortgage
Record Updated	Jun 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900016929
Date	May 14, 2019
Instrument	201900016929

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2815 RYAN DR, CEDAR FALLS, IA 50613-6645
Transaction Type	Mortgage
Record Updated	May 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800015727
Date	Mar 28, 2018
Instrument	201800015727

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount on Record
Term	178 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 2815 Ryan Dr was $4,234 with a homeowner's exemption, down 6.2% 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	$4,234.00 (-6.24%) Homeowner's exemption	$292,910 Land $40,010 Building $252,900	$292,910 Land $40,010 Building $252,900
2024	$4,516.00
2023		$290,880 (+23.98%) Land $40,010 Building $250,870	$290,880 Land $40,010 Building $250,870
2022	$4,332.00	$234,610 Land $40,010 Building $194,600
2021			$234,610 Land $40,010 Building $194,600

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

Flood

FEMA maps place 2815 Ryan Dr 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 2815 Ryan Dr 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 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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