320 Clair St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 320 Clair St, Cedar Falls, IA 50613 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,555 sqft · built 2002
Lot Size	1.24 acres (54,200 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Oct 2013)
Tax Bill	$5,790 (2025)
Deeds & Mortgages	Feb 2022 Second Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8914-01-176-009`

Property Details

APN / Parcel Number

Primary APN	`8914-01-176-009`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,555 sqft Living Area
1st Floor Area	1,555 sqft
Basement Area	1,555 sqft
Finished Basement	875 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	54,200 sqft (1.24 acres)
Lot Dimensions	400 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	116 sqft
Deck Area	250 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	320 CLAIR ST
City	CEDAR FALLS
State	IA
Zip	50613-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SKYLAKE ESTATES LOT 3
Legal Range	14W
Legal Township	89N
Legal Section	01
Legal Subdivision	SKYLAKE ESTATES
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3022
Census Tract	2604

Owner

Source: Black Hawk County records · APN 8914-01-176-009

Assessment roll updated October 17, 2025 · Last verified June 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 File
Mailing Address	320 CLAIR ST, CEDAR FALLS, IA 50613-1315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FARMERS STATE BANK
Feb 08, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Apr 21, 2017	Deed of Trust, Mortgage · Second Mortgage (Down Payment) FARMERS STATE BANK
Apr 21, 2017	Deed of Trust, Mortgage · Second Mortgage (Down Payment) FARMERS STATE BANK
Oct 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 16, 2013 · Amount on Record
Deed Sale	Oct 16, 2013 · Amount on Record
Deed Document Number	20132014008385
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	320 CLAIR ST, CEDAR FALLS, IA 50613-1315
Transaction Type	Mortgage
Record Updated	Mar 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200016616
Date	Feb 16, 2022
Instrument	202200016616

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 15, 2027

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	320 CLAIR ST, CEDAR FALLS, IA 50613-1315
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100016642
Date	Feb 08, 2021
Instrument	202100016642

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	320 CLAIR ST, CEDAR FALLS, IA 50613-1315
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700018377
Date	Apr 21, 2017
Instrument	2017-00018377

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	180 Months
Due	Apr 21, 2032

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	320 CLAIR ST, CEDAR FALLS, IA 50613-1315
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700018402
Date	Apr 21, 2017
Instrument	2017-00018402

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	180 Months
Due	Apr 21, 2032

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	320 CLAIR ST, CEDAR FALLS, IA 50613-1315
Transaction Type	Mortgage
Record Updated	Nov 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000007804
Date	Oct 28, 2019
Instrument	202000007804

Lender

Name	FARMERS STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2034

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,790.00 Homeowner's exemption	$413,680 (+7.81%) Land $84,160 Building $329,520	$413,680 (+7.81%) Land $84,160 Building $329,520
2024	$5,790.00 (+2.08%)
2023		$383,720 (+21.4%) Land $84,160 Building $299,560	$383,720 (+21.4%) Land $84,160 Building $299,560
2022	$5,672.00 Homeowner's exemption	$316,090 Land $84,160 Building $231,930
2021			$316,090 Land $84,160 Building $231,930

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130026043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 77 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	77 in force
Nearby Flood Claims	231 (1979–2019)
Claims Outside the SFHA	5 of 231
Most Recent Claim	Mar 2019, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Mar 2019 · 76 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 78 claims Severe Storms & Flooding, Aug 1993 · 29 claims

Wildfire

Wildfire Risk	Low above 3% of the US · above 24% of Iowa
Wildfire Likelihood	About 1 in 6,250 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 50 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cedar Falls Municipal Communications Utility	Fiber	10,000 / 10,000
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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