1. Home
  2. Iowa
  3. Black Hawk County
  4. Cedar Falls
  5. Main St

401 Main St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 401 Main St, Cedar Falls, IA 50613

Property Summary

Property TypeMixed Use Store/Office
Details19,296 sqft · built 1901
Lot Size0.142 acres (6,204 sqft)
OwnerCompany Name on File
Tax Bill$72,438 (2025)
Deeds & MortgagesMar 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN8914-12-329-004

Property Details

APN / Parcel Number

Primary APN8914-12-329-004

Interior

Units36 Units
Stories3 Stories
Building Area19,296 sqft Gross Area
1st Floor Area6,432 sqft
Basement Area6,432 sqft
Unfinished Basement6,432 sqft
FlooringTile
Interior WallsPlaster
Fire SprinklersFire Sprinklers
ElevatorElevator

Exterior

Year BuiltBuilt 1901
Effective Year BuiltEffective 1901
Exterior MaterialBrick
Fire ResistanceWood or Wood & Steel Frame
Roof MaterialRolled Roofing
Lot Area6,204 sqft (0.142 acres)
Lot Dimensions132 ft deep x 47 ft wide

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address401 MAIN ST
CityCEDAR FALLS
StateIA
Zip50613-2800
Property CategoryCommercial
Property TypeCommercial > Retail > Mixed Use Store/Office
Legal DescriptionGARRISON & DEANS ADDITION FRL THAT PART OF LOT 1 ORIGINAL PLAT FRL BLK E OF BLK 11 THAT PART OF LOT 1 LYING WITHIN THE FOL
Legal Range14W
Legal Township89N
Legal Section12
Legal SubdivisionGARRISON & DEANS ADDITION FRL
Legal Block11,E
Legal Lot Number1
JurisdictionBLACK HAWK IA
Township / Civil DivisionCEDAR FALLS
Census Block Group3
Census Block3006
Census Tract2200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Cedar Falls Downtown Historic District
listed 2017 · 42 contributing resources · NRIS 100001673

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Black Hawk County records, as of October 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordCompany Name on File
Mailing Address401 MAIN ST, 218, CEDAR FALLS, IA 50613-2800
Owner TypeCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedOct 29, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Property Address401 MAIN ST, CEDAR FALLS, IA 50613-2800
Transaction TypeMortgage
Record UpdatedApr 12, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number202200019009
DateMar 30, 2022
Instrument202200019009
Lender
NameFARMERS STATE BANK
TypeBank
AddressWATERLOO, IA 50701
Agreement
AmountAmount on Record
Term360 Months
DueMar 29, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityCedar Falls City
Unified School DistrictCedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$72,438.00 (+6.88%)$2,216,580 (+7.49%) Land $178,370 Building $2,038,210$2,216,580 (+7.49%) Land $178,370 Building $2,038,210
2024$67,772.00 (+46.33%)
2023$2,062,210 (+44.72%) Land $178,370 Building $1,883,840$2,062,210 (+44.72%) Land $178,370 Building $1,883,840
2022$46,314.00$1,425,000 Land $115,150 Building $1,309,850
2021$1,425,000 Land $115,150 Building $1,309,850

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims14 (1990–2016)
Claims Outside the SFHA2 of 14
Most Recent ClaimSep 2016 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Sep 2016 · 3 claims
  • Severe Storms, Flooding, And Tornadoes, May 1999 · 3 claims
  • Severe Storms & Flooding, Aug 1993 · 4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemCEDAR FALLS MUNICIPAL WATER UTILITIES
serves 40,713 people · EPA ID IA0709084
Water SourceGroundwater
Last State InspectionJul 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 201 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cedar Falls Utilities
Fiber		10,000 / 10,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: GigFire, Nextlink.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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