315 E 12th St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 315 E 12th St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,534 sqft · built 1918
Lot Size	0.133 acres (5,800 sqft)
Owner	Individual Name on Record
Last Sale	$188,000 (Jun 2024)
Tax Bill	$2,248 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8914-13-203-005`

Property Details

APN / Parcel Number

Primary APN	`8914-13-203-005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,534 sqft Living Area
1st Floor Area	576 sqft
Attic	Attic
Attic Area	202 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,800 sqft (0.133 acres)
Lot Dimensions	116 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	136 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	315 E 12TH ST
City	CEDAR FALLS
State	IA
Zip	50613-3315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITORS PLAT NO 13 CF LOT 10
Legal Range	14W
Legal Township	89N
Legal Section	13
Legal Subdivision	AUDITORS PLAT NO 13 CF
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	1
Census Block	1001
Census Tract	2301

Owner

Source: Black Hawk County records, as of July 7, 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	315 E 12TH ST, CEDAR FALLS, IA 50613-3315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CREDIT UNION
Aug 4, 2022	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2024 · Amount on Record
Deed Sale	Jun 3, 2024 · Amount on Record
Prior Sale	May 1, 2014 · Amount on Record
Deed Document Number	202415163
Prior Transfer Date	Aug 31, 2005
Prior Transfer Doc	2006007142
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 30, 2026
Property Address	315 E 12TH ST, CEDAR FALLS, IA 50613-3315
Document Number	0000009764
Instrument Date	Jun 25, 2026
Instrument	20269764
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 E 12TH ST, CEDAR FALLS, IA 50613-3315

Mortgage

Document Number	0000009764,
Date	Jun 30, 2026
Instrument	20269764

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 10, 2036

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	315 E 12TH ST, CEDAR FALLS, IA 50613-3315
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300002017
Date	Aug 4, 2022
Instrument	202300002017

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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	$2,248.00 Homeowner's exemption	$168,410 (+12.34%) Land $35,250 Building $133,160	$168,410 (+12.34%) Land $35,250 Building $133,160
2024	$2,248.00 (-2.01%)
2023		$149,910 (+20.62%) Land $23,500 Building $126,410	$149,910 (+20.62%) Land $23,500 Building $126,410
2022	$2,294.00	$124,280 Land $23,500 Building $100,780
2021			$124,280 Land $23,500 Building $100,780

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	13 (2008–2020)
Claims Outside the SFHA	4 of 13
Most Recent Claim	Feb 2020 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2016 · 6 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 5 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 492 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

May also be available: GigFire, Nextlink.

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