Black Hawk County property record for 2902 Arbors Dr, Cedar Falls, IA 50613
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,471 sqft · built 2016 |
| Lot Size | 0.274 acres (11,928 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Jul 2018) |
| Tax Bill | $6,678 (2025) |
| Deeds & Mortgages | Jan 2019 Refinance Mar 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8914-27-480-004 |
| Primary APN | 8914-27-480-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,471 sqft Living Area |
| 1st Floor Area | 1,471 sqft |
| Basement Area | 1,471 sqft |
| Finished Basement | 900 sqft |
| Unfinished Basement | 1,471 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,928 sqft (0.274 acres) |
| Lot Dimensions | 142 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 730 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 200 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2902 ARBORS DR |
|---|---|
| City | CEDAR FALLS |
| State | IA |
| Zip | 50613-2254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE ARBORS FIRST ADDITION LOT 8 |
| Legal Range | 14W |
| Legal Township | 89N |
| Legal Section | 27 |
| Legal Subdivision | THE ARBORS FIRST ADDITION |
| Legal Lot Number | 8 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | CEDAR FALLS |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 2606 |
2902 Arbors Dr is owned and occupied by two individuals who bought it in July 2018.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2902 ARBORS DR, CEDAR FALLS, IA 50613-2254 |
| 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.
| Date | Document |
|---|---|
| Jan 8, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK |
| Mar 16, 2021 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Sep 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK |
| Jul 2, 2018 | Warranty Deed, Transfer FARMERS STATE BANK |
| Aug 20, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2018 · Amount on File |
| Deed Sale | Jul 2, 2018 · Amount on File |
| Deed Document Number | 2018201900000086 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 2902 ARBORS DR, CEDAR FALLS, IA 50613-2254 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201900010667 |
|---|---|
| Date | Jan 8, 2019 |
| Instrument | 201900010667 |
| Name | FARMERS STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 2902 ARBORS DR, CEDAR FALLS, IA 50613-2254 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2902 ARBORS DR, CEDAR FALLS, IA 50613-2254 |
| Document Number | 202100019263 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 202100019263 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 2902 ARBORS DR, CEDAR FALLS, IA 50613-2254 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202100005089 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | 202100005089 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jul 2, 2018 |
| Property Address | 2902 ARBORS DR, CEDAR FALLS, IA 50613-2254 |
| Document Number | 201900000086 |
| Instrument Date | May 14, 2018 |
| Instrument | 201900000086 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2902 ARBORS DR, CEDAR FALLS, IA 50613-2254 |
| Document Number | 201900000087 |
|---|---|
| Date | Jul 2, 2018 |
| Instrument | 201900000087 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 354 Months |
| Due | Jan 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 20, 2018 |
| Property Address | 2902 ARBORS DR, CEDAR FALLS, IA 50613-2254 |
| Document Number | 201900002820 |
| Instrument Date | May 14, 2018 |
| Instrument | 201900002820 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2902 ARBORS DR, CEDAR FALLS, IA 50613-2254 |
The 2025 property tax bill for 2902 Arbors Dr was $6,678 with a homeowner's exemption, up 9.5% from the year before.
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 | $6,678.00 (+9.51%) Homeowner's exemption | $470,410 Land $64,000 Building $406,410 | $470,410 Land $64,000 Building $406,410 |
| 2024 | $6,098.00 | ||
| 2023 | $402,920 (+17.55%) Land $64,000 Building $338,920 | $402,920 Land $64,000 Building $338,920 | |
| 2022 | $6,164.00 Homeowner's exemption | $342,770 Land $64,000 Building $278,770 | |
| 2021 | $342,770 Land $64,000 Building $278,770 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2902 Arbors Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.
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 | 5 in force |
| Nearby Flood Claims | 1 (2008) |
| Most Recent Claim | Apr 2008 · river or lake flooding |
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 risk around 2902 Arbors Dr 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 97% of the US · lower than 76% 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.
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 89 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 |
| GigFire Fixed Wireless | 150 / 130 |
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