Black Hawk County property record for 2824 Cottage Row Rd, Cedar Falls, IA 50613
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 2,210 sqft · built 1954 |
| Lot Size | 0.964 acres (41,975 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $415,000 (Jun 2026) |
| Tax Bill | $5,442 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 8914-03-226-002 |
| Primary APN | 8914-03-226-002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,210 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Basement Area | 1,064 sqft |
| Unfinished Basement | 1,064 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Other |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 41,975 sqft (0.964 acres) |
| Lot Dimensions | 230 ft deep x 195 ft wide |
| Garage Type | Attached |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2824 COTTAGE ROW RD |
|---|---|
| City | CEDAR FALLS |
| State | IA |
| Zip | 50613-6807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRAHAMS RIVER PLAT LOT 8 |
| Legal Range | 14W |
| Legal Township | 89N |
| Legal Section | 03 |
| Legal Subdivision | GRAHAMS RIVER PLAT |
| Legal Lot Number | 8 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | CEDAR FALLS |
| Census Block Group | 2 |
| Census Block | 2078 |
| Census Tract | 2604 |
Source: Black Hawk County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2824 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6807 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage CEDAR FALLS COMMUNITY CREDIT UNION |
| Jun 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage CEDAR FALLS COMMUNITY CREDIT UNION |
| Sep 25, 2023 | Warranty Deed, Transfer · Commercial Mortgage FARMERS STATE BANK |
| May 10, 2021 | Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 4, 2026 · Amount on Record |
| Deed Sale | Jun 4, 2026 · Amount on Record |
| Prior Sale | May 10, 2021 · Amount on Record |
| Deed Document Number | 20268201 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jun 4, 2026 |
| Property Address | 2824 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6807 |
| Document Number | 0000008201 |
| Instrument Date | May 29, 2026 |
| Instrument | 20268201 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2026 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $66,983.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2824 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6807 |
| Document Number | 0000008202, |
|---|---|
| Date | Jun 4, 2026 |
| Instrument | 20268202 |
| Name | CEDAR FALLS COMMUNITY CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 66 Months |
| Due | Dec 1, 2031 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jun 4, 2026 |
| Property Address | 2824 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6807 |
| Document Number | 0202608201 |
| Instrument Date | May 29, 2026 |
| Instrument | 20268201 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $66,983.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2824 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6807 |
| Document Number | 0000008202, |
|---|---|
| Date | Jun 4, 2026 |
| Instrument | 20268202 |
| Name | CEDAR FALLS COMMUNITY CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 66 Months |
| Due | Dec 1, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Sep 25, 2023 |
| Property Address | 2824 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6807 |
| Document Number | 202400004145 |
| Instrument Date | Sep 22, 2023 |
| Instrument | 202400004145 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $559.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 227 SPIEKER RD, WATERLOO, IA 50701-1808 |
| Document Number | 202400004146 |
|---|---|
| Date | Sep 25, 2023 |
| Instrument | 202400004146 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 22, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 10, 2021 |
| Property Address | 2824 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6807 |
| Document Number | 202100023658 |
| Instrument Date | May 7, 2021 |
| Instrument | 202100023658 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2026 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $431.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2824 COTTAGE ROW RD, CEDAR FALLS, IA 50613-6807 |
| Document Number | 202100023659 |
|---|---|
| Date | May 10, 2021 |
| Instrument | 202100023659 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
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 | $5,442.00 (-0.22%) | $362,550 (+6.95%) Land $123,420 Building $239,130 | $362,550 (+6.95%) Land $123,420 Building $239,130 |
| 2024 | $5,454.00 (+6.44%) | ||
| 2023 | $338,990 (+18.33%) Land $115,710 Building $223,280 | $338,990 (+18.33%) Land $115,710 Building $223,280 | |
| 2022 | $5,124.00 Homeowner's exemption | $286,480 Land $115,710 Building $170,770 | |
| 2021 | $286,480 Land $115,710 Building $170,770 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 58% of Iowa |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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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