3612 Center St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 3612 Center St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,648 sqft · built 1962
Lot Size	2.89 acres (125,888 sqft)
Owner	Individual Name on File
Tax Bill	$3,954 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9014-35-226-004`

Property Details

APN / Parcel Number

Primary APN	`9014-35-226-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,648 sqft Living Area
1st Floor Area	1,108 sqft
Basement Area	1,108 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	125,888 sqft (2.89 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	400 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3612 CENTER ST
City	CEDAR FALLS
State	IA
Zip	50613-1146
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THRIFT ACRES S 2 A LOT 2 N 1 A LOT 3 AND EASE
Legal Range	14W
Legal Township	90N
Legal Section	35
Legal Subdivision	THRIFT ACRES
Legal Lot Number	2,3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2057
Census Tract	2604

Owner

3612 Center St is owned and occupied by an individual.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	3612 CENTER ST, CEDAR FALLS, IA 50613-1146
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
Jun 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREE STATE CREDIT UNION
Mar 31, 2021	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
May 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 26, 2026
Property Address	3612 CENTER ST, CEDAR FALLS, IA 50613-1146
Document Number	0000009533
Instrument Date	Jun 17, 2026
Instrument	20269533
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3612 CENTER ST, CEDAR FALLS, IA 50613-1146

Mortgage

Document Number	0000009533,
Date	Jun 26, 2026
Instrument	20269533

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 15, 2041

Interest

Rate Type	Fixed Rate
Rate	5.85%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3612 CENTER ST, CEDAR FALLS, IA 50613-1146
Transaction Type	Mortgage
Record Updated	Apr 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100020431
Date	Mar 31, 2021
Instrument	202100020431

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 15, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3612 CENTER ST, CEDAR FALLS, IA 50613-1146
Transaction Type	Mortgage
Record Updated	Jun 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900016664
Date	May 10, 2019
Instrument	201900016664

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 3612 Center St was $3,954 with a homeowner's exemption, down 5.5% from the year before.

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	$3,954.00 (-5.54%) Homeowner's exemption	$274,340 Land $52,560 Building $221,780	$274,340 Land $52,560 Building $221,780
2024	$4,186.00
2023		$270,410 (+31.91%) Land $52,560 Building $217,850	$270,410 Land $52,560 Building $217,850
2022	$3,620.00 Homeowner's exemption	$205,000 Land $52,560 Building $152,440
2021			$205,000 Land $52,560 Building $152,440

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

Flood

FEMA maps place 3612 Center St in Zone X, an area of minimal flood risk, though there have been 22 flood claims 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
Flood Insurance Cost	Premium on File 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	Severe Storms And Flooding, Mar 2019 · 20 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 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

Wildfire risk around 3612 Center St is low, with 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 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 101 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

May also be available: AT&T, GigFire, Nextlink.

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