Black Hawk County property record for 3650 Ranchero Rd, Cedar Falls, IA 50613
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,092 sqft · built 1965 |
| Lot Size | 2.85 acres (124,146 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,616 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8814-01-376-002 |
| Primary APN | 8814-01-376-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 1,092 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 124,146 sqft (2.85 acres) |
| Garage Type | Attached |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3650 RANCHERO RD |
|---|---|
| City | CEDAR FALLS |
| State | IA |
| Zip | 50613-9662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNPLATTED WLOO WEST E 200 FT W 1600 FT S 655 FT SEC 1 T 88 R 14 |
| Legal Range | 14W |
| Legal Township | 88N |
| Legal Section | 01 |
| Legal Subdivision | UNPLATTED WLOO WEST |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 3002 |
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3650 RANCHERO RD, CEDAR FALLS, IA 50613-9662 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 12, 2020 |
| Transfer Doc | 0000020522 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3650 RANCHERO RD, CEDAR FALLS, IA 50613-9662 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3650 RANCHERO RD, CEDAR FALLS, IA 50613-9662 |
| Document Number | 202400006029 |
|---|---|
| Date | Nov 6, 2023 |
| Instrument | 202400006029 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 5, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Hudson Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,616.00 (+3.81%) | $272,710 (+9.24%) Land $118,500 Building $154,210 | $272,710 (+9.24%) Land $118,500 Building $154,210 |
| 2024 | $5,410.00 (+0.97%) | ||
| 2023 | $249,640 (+8.62%) Land $107,950 Building $141,690 | $249,640 (+8.62%) Land $107,950 Building $141,690 | |
| 2022 | $5,358.00 | $229,820 Land $107,950 Building $121,870 | |
| 2021 | $229,820 Land $107,950 Building $121,870 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 6 (1990–2014) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Jun 2014 · Severe Storms, Tornadoes, Straight-line Winds, And 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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Fiber Fiber | 10,000 / 10,000 |
| Metronet Fiber | 5,120 / 5,120 |
| 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: STS Broadband.
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