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402 E Lake St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 402 E Lake St, Cedar Falls, IA 50613

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,120 sqft · built 1969
Lot Size0.421 acres (18,340 sqft)
Owner2 Individual Names on File
Tax Bill$2,516 (2025)
Deeds & MortgagesAug 2026 Sale
Jun 2022 Second Mortgage
Flood ZoneZone AE (high risk)
APN9014-36-452-007

Property Details

APN / Parcel Number

Primary APN9014-36-452-007

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,120 sqft Living Area
1st Floor Area1,120 sqft
Basement Area1,120 sqft
Unfinished Basement1,120 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 1969
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeHip
Roof MaterialAsphalt
Lot Area18,340 sqft (0.421 acres)
Lot Dimensions140 ft deep x 131 ft wide
Garage TypeMixed
Garage Area1,006 sqft
Parking Spaces4 Parking Spaces

Exterior Amenities

PorchPorch
Porch Area224 sqft
Deck Area98 sqft
Patio Area36 sqft
Shed1 Shed
Shed Area168 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address402 E LAKE ST
CityCEDAR FALLS
StateIA
Zip50613-1260
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHILLSIDE ACRES E 130.81 FT W 160.81 FT S 140 FT BLK 4 & EASE
Legal Range14W
Legal Township90N
Legal Section36
Legal SubdivisionHILLSIDE ACRES
Legal Block4
Legal Lot Number4
JurisdictionBLACK HAWK IA
Township / Civil DivisionCEDAR FALLS
Census Block Group3
Census Block3017
Census Tract2604

Owner

Source: Black Hawk County records, as of September 2, 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 Record2 Individual Names on File
Mailing Address402 E LAKE ST, CEDAR FALLS, IA 50613-1260
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 26, 2026Affidavit, Transfer
Jun 14, 2022Deed of Trust, Mortgage · Stand-Alone Second Mortgage
VERIDIAN CU

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedOct 29, 2026

August 2026: Affidavit, Transfer

Document TypeAffidavit
JurisdictionBLACK HAWK IA
Recording DateAug 26, 2026
Property Address402 E LAKE ST, CEDAR FALLS, IA 50613-1260
Document Number0000012888
Instrument DateAug 25, 2026
Instrument202612888
Transaction TypeTransfer
Record UpdatedSep 9, 2026

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address402 E LAKE ST, CEDAR FALLS, IA 50613-1260

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Property Address402 E LAKE ST, CEDAR FALLS, IA 50613-1260
Transaction TypeMortgage
Record UpdatedJun 27, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address402 E LAKE ST, CEDAR FALLS, IA 50613-1260

Mortgage

Document Number202200024288
DateJun 14, 2022
Instrument202200024288
Lender
NameVERIDIAN CU
TypeCredit Union
AddressWATERLOO, IA 50704
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term120 Months
DueJun 1, 2032

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$2,516.00 (+2.36%) Homeowner's exemption$193,070 (+9.29%) Land $14,740 Building $178,330$193,070 (+9.29%) Land $14,740 Building $178,330
2024$2,458.00 (-5.75%)
2023$176,660 (+17.66%) Land $16,380 Building $160,280$176,660 (+17.66%) Land $16,380 Building $160,280
2022$2,608.00 Homeowner's exemption$150,150 Land $16,380 Building $133,770
2021$150,150 Land $16,380 Building $133,770

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 AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 77 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies77 in force
Nearby Flood Claims231 (1979–2019)
Claims Outside the SFHA5 of 231
Most Recent ClaimMar 2019 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Mar 2019 · 76 claims
  • Severe Storms, Tornadoes, And Flooding, Jun 2008 · 78 claims
  • Severe Storms & Flooding, Aug 1993 · 29 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 RiskLow
lower than 63% of the US · above 66% of Iowa
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 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: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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