321 Walnut St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 321 Walnut St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,761 sqft · built 1910
Lot Size	0.237 acres (10,332 sqft)
Owner	Individual Name on File
Tax Bill	$3,399 (2024)
Deeds & Mortgages	Jan 2017 Line of Credit Jul 2020 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`8914-12-161-013`

Property Details

APN / Parcel Number

Primary APN	`8914-12-161-013`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,761 sqft Living Area
1st Floor Area	1,036 sqft
Basement Area	518 sqft
Game Room	Game Room
Flooring	Combination, Other
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,332 sqft (0.237 acres)
Lot Dimensions	132 ft deep x 77 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	64 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	321 WALNUT ST
City	CEDAR FALLS
State	IA
Zip	50613-2717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT CEDAR FALLS S 10 1/2 FT E 76 FT LOT 3 AND S 13 1/2 FT W 56 FT LOT 3 AND LOT 4 BLK 36
Legal Range	14
Legal Township	89
Legal Section	12
Legal Subdivision	ORIGINAL PLAT CEDAR FALLS
Legal Block	36
Legal Lot Number	3,4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2020
Census Tract	2200

Owner

321 Walnut St is owned and occupied by an individual who acquired it in May 2013.

Source: Black Hawk County records, as of October 16, 2025

Owner of Record	Individual Name on File
Mailing Address	321 WALNUT ST, CEDAR FALLS, IA 50613-2717
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
Jan 27, 2017	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Jul 13, 2020	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Jun 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage DEERE EMPLOYEES CU
Jun 9, 2022	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Jun 17, 2022	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Jun 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage DEERE EMPLOYEES CU
Mar 15, 2016	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU
May 28, 2013	Legal Action/Court Order, Foreclosure · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 28, 2013
Transfer Doc	2013024638
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 WALNUT ST, CEDAR FALLS, IA 50613-2717
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700013618
Date	Jan 27, 2017
Instrument	2017-00013618

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	62 Months
Due	Mar 1, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 WALNUT ST, CEDAR FALLS, IA 50613-2717
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100000740
Date	Jul 13, 2020
Instrument	202100000740

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Aug 1, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 WALNUT ST, CEDAR FALLS, IA 50613-2717
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACKHAWK CNTY ABSTRACT OF T

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200023911
Date	Jun 9, 2022
Instrument	202200023911

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	1-Year CMT
Max Rate	7.75%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 WALNUT ST, CEDAR FALLS, IA 50613-2717
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200023912
Date	Jun 9, 2022
Instrument	202200023912

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 WALNUT ST, CEDAR FALLS, IA 50613-2717
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200024598
Date	Jun 17, 2022
Instrument	202200024598

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 WALNUT ST, CEDAR FALLS, IA 50613-2717
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200024596
Date	Jun 17, 2022
Instrument	202200024596

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	1-Year CMT
Max Rate	7.75%

March 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	321 WALNUT ST, CEDAR FALLS, IA 50613-2717
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600015628
Date	Mar 15, 2016
Instrument	2016-00015628

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2046

May 2013: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	May 28, 2013
Property Address	321 WALNUT ST, CEDAR FALLS, IA 50613-2717
Document Number	2013024638
Instrument Date	May 23, 2013
Instrument	2013024638
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.50
Amount Accuracy	Rounded by County
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CLAY ST, CEDAR FALLS, IA 50613-2837
Mail Care Of	JOHN C LARSEN

Mortgage

Document Number	2013024639
Date	May 28, 2013
Instrument	2013-024639

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2043

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of May 1, 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		$196,650 Land $53,330 Building $143,320	$196,650 Land $53,330 Building $143,320
2024	$3,399.00
2023		$170,890 Land $34,280 Building $136,610	$170,890 Land $34,280 Building $136,610
2022	$2,386.00

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

Flood

FEMA maps place 321 Walnut St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1993.

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	4 in force
Nearby Flood Claims	5 (1993–2016)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 2 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

The area around 321 Walnut St has no burnable land within ember reach, so its wildfire risk is not rated.

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 554 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
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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