4901 Luke St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 4901 Luke St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,432 sqft · built 2009
Lot Size	0.192 acres (8,370 sqft)
Owner	2 Individual Names on Record
Last Sale	$213,000 (Jul 2018)
Tax Bill	$4,412 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit Oct 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`8913-29-176-056`

Property Details

APN / Parcel Number

Primary APN	`8913-29-176-056`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,432 sqft Living Area
1st Floor Area	620 sqft
Basement Area	636 sqft
Finished Basement	430 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,370 sqft (0.192 acres)
Lot Dimensions	135 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	84 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4901 LUKE ST
City	CEDAR FALLS
State	IA
Zip	50613-8010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HUNTINGTON RIDGE SECOND ADDITION LOT 16
Legal Range	13W
Legal Township	89N
Legal Section	29
Legal Subdivision	HUNTINGTON RIDGE SECOND
Legal Lot Number	16
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3032
Census Tract	2601

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	4901 LUKE ST, CEDAR FALLS, IA 50613-8010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2018	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 24, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
May 24, 2010	Deed of Trust, Mortgage CITY OF CEDAR FALLS
May 12, 2010	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Feb 27, 2026	Intrafamily Transfer, Transfer
Jul 26, 2018	Warranty Deed, Transfer UNIVERSITY OF IOWA CREDIT UNION
Nov 23, 2015	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2018 · Amount on Record
Deed Sale	Jul 26, 2018 · Amount on Record
Prior Sale	Nov 23, 2015 · Amount on Record
Deed Document Number	2018201900001439
Last Transfer Date	Feb 26, 2026
Transfer Doc	0202602512
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4901 LUKE ST, CEDAR FALLS, IA 50613-8010
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800020308
Date	Jun 11, 2018
Instrument	201800020308

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	295 Months
Due	Jan 1, 2043

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4901 LUKE ST, CEDAR FALLS, IA 50613-8010
Transaction Type	Mortgage
Record Updated	Mar 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200007952
Date	Oct 12, 2021
Instrument	202200007952

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4901 LUKE ST, CEDAR FALLS, IA 50613-8010
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19012 LUKE STREET, CEDAR CITY, IA 50613

Mortgage

Document Number	202400005506
Date	Oct 24, 2023
Instrument	202400005506

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4901 LUKE ST, CEDAR FALLS, IA 50613-8010
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010021886
Date	May 24, 2010
Instrument	2010021886

Lender

Name	CITY OF CEDAR FALLS

Agreement

Amount	Amount Recorded

May 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	4901 LUKE ST, CEDAR FALLS, IA 50613-8010
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010021086
Date	May 12, 2010
Instrument	2010021086

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2040

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 27, 2026
Property Address	4901 LUKE ST, CEDAR FALLS, IA 50613-8010
Document Number	0202602512
Instrument Date	Feb 26, 2026
Instrument	2026-02512
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4901 LUKE ST, CEDAR FALLS, IA 50613-8010

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 26, 2018
Property Address	4901 LUKE ST, CEDAR FALLS, IA 50613-8010
Document Number	201900001439
Instrument Date	Jul 23, 2018
Instrument	201900001439
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4901 LUKE ST, CEDAR FALLS, IA 50613-8010
Investor	Possibly a Property Investor

Mortgage

Document Number	201900001440
Date	Jul 26, 2018
Instrument	201900001440

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

November 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 23, 2015
Property Address	4901 LUKE ST, CEDAR FALLS, IA 50613-8010
Document Number	201600009606
Instrument Date	Nov 16, 2015
Instrument	2016-00009606
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Amount	Amount Recorded
Tax	$312.80
Amount Accuracy	Rounded by County
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	4901 LUKE ST, CEDAR FALLS, IA 50613-8010

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	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,412.00 (+2.13%) Homeowner's exemption	$283,450 (+8.1%) Land $41,430 Building $242,020	$283,450 (+8.1%) Land $41,430 Building $242,020
2024	$4,320.00 (+8.27%)
2023		$262,220 (+10.18%) Land $41,430 Building $220,790	$262,220 (+10.18%) Land $41,430 Building $220,790
2022	$3,990.00	$237,990 Land $41,430 Building $196,560
2021			$237,990 Land $41,430 Building $196,560

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cedar Falls Utilities, Nextlink.

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