3909 Veralta Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 3909 Veralta Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,358 sqft · built 1959
Lot Size	0.239 acres (10,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$256,000 (Jan 2024)
Tax Bill	$3,804 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage Jan 2024 Sale & Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8913-19-431-007`

Property Details

APN / Parcel Number

Primary APN	`8913-19-431-007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,358 sqft Living Area
1st Floor Area	1,094 sqft
Basement Area	1,094 sqft
Finished Basement	675 sqft
Unfinished Basement	1,094 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,400 sqft (0.239 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	266 sqft
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3909 VERALTA DR
City	CEDAR FALLS
State	IA
Zip	50613-6168
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TUCSON HEIGHTS ADDITION LOT 58
Legal Range	13W
Legal Township	89N
Legal Section	19
Legal Subdivision	TUCSON HEIGHTS ADDITION
Legal Lot Number	58
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2020
Census Tract	2500

Owner

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	3909 VERALTA DR, CEDAR FALLS, IA 50613-6168
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Jan 26, 2024	Warranty Deed, Transfer · Stand-Alone Second Mortgage VERIDIAN CU
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage COLLINS COMMUNITY CU
Nov 19, 2018	Deed of Trust, Mortgage COLLINS COMMUNITY CREDIT UNION
Nov 19, 2018	Deed of Trust, Mortgage COLLINS COMMUNITY CREDIT UNION
Feb 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance COLLINS COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2024 · Amount on Record
Deed Sale	Jan 26, 2024 · Amount on Record
Deed Document Number	20249377
Prior Transfer Date	May 14, 2010
Prior Transfer Doc	2010022798
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3909 VERALTA DR, CEDAR FALLS, IA 50613-6168
Transaction Type	Mortgage
Record Updated	Feb 6, 2024
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400009379
Date	Jan 26, 2024
Instrument	202400009379

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Feb 1, 2031

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 26, 2024
Property Address	3909 VERALTA DR, CEDAR FALLS, IA 50613-6168
Document Number	202400009377
Instrument Date	Dec 21, 2023
Instrument	202400009377
Transaction Type	Transfer
Record Updated	Feb 14, 2024
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$408.80
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3909 VERALTA DR, CEDAR FALLS, IA 50613-6168

Mortgage

Document Number	202400009379
Date	Jan 26, 2024
Instrument	202400009379

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Feb 1, 2031

Mortgage

Document Number	202400009378
Date	Jan 26, 2024
Instrument	202400009378

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	12.6%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3909 VERALTA DR, CEDAR FALLS, IA 50613-6168
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100016606
Date	Feb 5, 2021
Instrument	202100016606

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3909 VERALTA DR, CEDAR FALLS, IA 50613-6168
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900007937
Date	Nov 19, 2018
Instrument	201900007937

Lender

Name	COLLINS COMMUNITY CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	50 Months
Due	Jan 1, 2023

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3909 VERALTA DR, CEDAR FALLS, IA 50613-6168
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900007936
Date	Nov 19, 2018
Instrument	201900007936

Lender

Name	COLLINS COMMUNITY CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3909 VERALTA DR, CEDAR FALLS, IA 50613-6168
Transaction Type	Mortgage
Record Updated	Mar 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000014713
Date	Feb 26, 2020
Instrument	202000014713

Lender

Name	COLLINS COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

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	$3,804.00 (+16.05%) Homeowner's exemption	$264,290 (+23.54%) Land $29,400 Building $234,890	$264,290 (+23.54%) Land $29,400 Building $234,890
2024	$3,278.00 (+7.19%)
2023		$213,930 (+22.57%) Land $29,400 Building $184,530	$213,930 (+22.57%) Land $29,400 Building $184,530
2022	$3,058.00 Homeowner's exemption	$174,530 Land $29,400 Building $145,130
2021			$174,530 Land $29,400 Building $145,130

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–2000)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2000 · rainfall accumulation

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	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 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.

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 340 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.

Nearby Properties on Veralta Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures