5125 Luke St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 5125 Luke St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,259 sqft · built 2011
Lot Size	0.29 acres (12,636 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Dec 2020)
Tax Bill	$5,162 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit Sep 2017 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`8913-29-176-071`

Property Details

APN / Parcel Number

Primary APN	`8913-29-176-071`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,259 sqft Living Area
1st Floor Area	1,259 sqft
Basement Area	1,259 sqft
Finished Basement	1,200 sqft
Unfinished Basement	1,259 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,636 sqft (0.29 acres)
Lot Dimensions	162 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	39 sqft
Patio Area	847 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	5125 LUKE ST
City	CEDAR FALLS
State	IA
Zip	50613-8016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HUNTINGTON RIDGE SECOND ADDITION LOT 1
Legal Range	13W
Legal Township	89N
Legal Section	29
Legal Subdivision	HUNTINGTON RIDGE SECOND
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3032
Census Tract	2601

Owner

5125 Luke St is owned and occupied by two individuals who bought it in December 2020.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5125 LUKE ST, CEDAR FALLS, IA 50613-8016
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2017	Deed of Trust, Mortgage · Line of Credit GREAT WESTERN BANK
Sep 6, 2017	Deed of Trust, Mortgage · Commercial Mortgage GREAT WESTERN BANK
Aug 20, 2018	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF IOWA CREDIT UNION
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
May 21, 2012	Deed of Trust, Mortgage · Stand-Alone First Mortgage BANKERS TRUST CO
Dec 13, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage GREENSTATE CREDIT UNION
Sep 11, 2023	Warranty Deed, Transfer · Conventional Mortgage GREAT SOUTHERN BANK
Dec 13, 2019	Warranty Deed, Transfer · ARM GREENSTATE CREDIT UNION
Mar 28, 2012	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2020 · Amount on File
Deed Sale	Dec 13, 2020 · Amount on File
Prior Sale	Dec 13, 2019 · Amount on File
Deed Document Number	202010846
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5125 LUKE ST, CEDAR FALLS, IA 50613-8016
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201800001149
Date	Jul 20, 2017
Instrument	2018-00001149

Lender

Name	GREAT WESTERN BANK
Type	Bank
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5125 LUKE ST, CEDAR FALLS, IA 50613-8016
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800004234
Date	Sep 6, 2017
Instrument	2018-00004234

Lender

Name	GREAT WESTERN BANK
Type	Bank
Address	WATERLOO, IA 50704

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5125 LUKE ST, CEDAR FALLS, IA 50613-8016
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900002842
Date	Aug 20, 2018
Instrument	201900002842

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	53 Months
Due	Jan 1, 2023

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5125 LUKE ST, CEDAR FALLS, IA 50613-8016
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100019955
Date	Mar 24, 2021
Instrument	202100019955

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5125 LUKE ST, CEDAR FALLS, IA 50613-8016
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2012021461
Date	May 21, 2012
Instrument	2012021461

Lender

Name	BANKERS TRUST CO
Type	Bank
Address	CEDAR RAPIDS, IA 52401

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	24 Months
Due	May 15, 2014

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5125 LUKE ST, CEDAR FALLS, IA 50613-8016
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20202000010848
Date	Dec 13, 2019
Instrument	20202000010848

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	109 Months
Due	Jan 1, 2029

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 11, 2023
Property Address	5125 LUKE ST, CEDAR FALLS, IA 50613-8016
Document Number	202400003557
Instrument Date	Sep 8, 2023
Instrument	202400003557
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$546.40
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	200 JOHNSON ST, WATERLOO, IA 50702

Mortgage

Document Number	202400003558
Date	Sep 11, 2023
Instrument	202400003558

Lender

Name	GREAT SOUTHERN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 13, 2019
Property Address	5125 LUKE ST, CEDAR FALLS, IA 50613-8016
Document Number	20202000010846
Instrument Date	Nov 7, 2019
Instrument	20202000010846
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
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	5125 LUKE ST, CEDAR FALLS, IA 50613-8016

Mortgage

Document Number	20202000010847
Date	Dec 13, 2019
Instrument	20202000010847

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.7%
Type Change Date	Dec 5, 2029
Index	1-Year CMT

March 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 28, 2012
Property Address	5125 LUKE ST, CEDAR FALLS, IA 50613-8016
Document Number	2012017661
Instrument Date	Dec 8, 2011
Instrument	2012017661
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$287.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5125 LUKE ST, CEDAR FALLS, IA 50613-8016

Mortgage

Document Number	2012017662
Date	Mar 28, 2012
Instrument	2012017662

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2042

Mortgage

Document Number	2012016872
Date	Mar 14, 2012
Instrument	2012016872

Lender

Name	CITY OF CEDAR FALLS
Address	CEDAR FALLS, IA 50613

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 5125 Luke St was $5,162 with a homeowner's exemption, up 1.2% from the year before.

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	$5,162.00 (+1.18%) Homeowner's exemption	$329,730 Land $49,280 Building $280,450	$329,730 Land $49,280 Building $280,450
2024	$5,102.00
2023		$295,450 (+10.99%) Land $54,760 Building $240,690	$295,450 Land $54,760 Building $240,690
2022	$4,634.00	$266,200 Land $54,760 Building $211,440
2021			$266,200 Land $54,760 Building $211,440

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5125 Luke St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5125 Luke St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.01% 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 85 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: Metronet, Nextlink, Waterloo Fiber.

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