Black Hawk County property record for 406 Main St, Cedar Falls, IA 50613
| Property Type | Bar, Tavern |
|---|---|
| Details | 3,432 sqft · built 1948 |
| Lot Size | 0.064 acres (2,772 sqft) |
| Owner | Company Name on File |
| Tax Bill | $12,546 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8914-12-401-011 |
| Primary APN | 8914-12-401-011 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,432 sqft Gross Area |
| 1st Floor Area | 2,028 sqft |
| Basement Area | 1,404 sqft |
| Unfinished Basement | 1,404 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Brick |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Material | Rolled Roofing |
| Lot Area | 2,772 sqft (0.064 acres) |
| Lot Dimensions | 132 ft deep x 21 ft wide |
| Porch | Porch |
| Porch Area | 480 sqft |
| Patio Area | 480 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 406 MAIN ST |
|---|---|
| City | CEDAR FALLS |
| State | IA |
| Zip | 50613-2828 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Bar, Tavern |
| Legal Description | GARRISON & DEANS ADDITION N 20 FT 10 IN MORE OR LESS OF S 22 FT AND 1/2 N PARTY WALL LOT 8 BLK 8 AND EASE |
| Legal Range | 14W |
| Legal Township | 89N |
| Legal Section | 12 |
| Legal Subdivision | GARRISON & DEANS ADDITION |
| Legal Block | 8 |
| Legal Lot Number | 8 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | CEDAR FALLS |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 2200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within 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.
406 Main St, a commercial property, is owned by a company.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 128, CEDAR FALLS, IA 50613-0016 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 406 MAIN ST, CEDAR FALLS, IA 50613-2828 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202300014693 |
|---|---|
| Date | May 3, 2023 |
| Instrument | 202300014693 |
| Name | WEST BANK |
|---|---|
| Type | Bank |
| Address | WEST DES MOINES, IA 50266 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 1, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 406 Main St was $12,546, up 0.6% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Cedar Falls City |
| Unified School District | Cedar Falls Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,546.00 (+0.59%) | $469,380 Land $79,700 Building $389,680 | $469,380 Land $79,700 Building $389,680 |
| 2024 | $12,472.00 | ||
| 2023 | $457,780 (+67.12%) Land $79,700 Building $378,080 | $457,780 Land $79,700 Building $378,080 | |
| 2022 | $7,516.00 | $273,920 Land $51,450 Building $222,470 | |
| 2021 | $273,920 Land $51,450 Building $222,470 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Main St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1990.
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 | 3 in force |
| Nearby Flood Claims | 14 (1990–2016) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Sep 2016 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 406 Main St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 201 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: GigFire, Nextlink.
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