Black Hawk County property record for 515 Clair St, Cedar Falls, IA 50613
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 906 sqft · built 1982 |
| Lot Size | 0.204 acres (8,880 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,984 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 8914-01-104-020 |
| Primary APN | 8914-01-104-020 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Building Area | 906 sqft Living Area |
| 1st Floor Area | 906 sqft |
| Basement Area | 906 sqft |
| Finished Basement | 600 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Split Foyer |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,880 sqft (0.204 acres) |
| Lot Dimensions | 148 ft deep x 60 ft wide |
| Deck Area | 224 sqft |
|---|---|
| Patio Area | 24 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 515 CLAIR ST |
|---|---|
| City | CEDAR FALLS |
| State | IA |
| Zip | 50613-1310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR ACRES ADDITION LOT 44 |
| Legal Range | 14W |
| Legal Township | 89N |
| Legal Section | 01 |
| Legal Subdivision | CEDAR ACRES ADDITION |
| Legal Lot Number | 44 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | CEDAR FALLS |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 2604 |
515 Clair St is owned and occupied by an individual.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 515 CLAIR ST, CEDAR FALLS, IA 50613-1310 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 515 CLAIR ST, CEDAR FALLS, IA 50613-1310 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 515 CLAIR ST, CEDAR FALLS, IA 50613-1310 |
| Document Number | 202300014248 |
|---|---|
| Date | Apr 24, 2023 |
| Instrument | 202300014248 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 23, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 515 Clair St was $1,984 with a homeowner's exemption, up 2.7% 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 | $1,984.00 (+2.69%) Homeowner's exemption | $143,090 Land $18,360 Building $124,730 | $143,090 Land $18,360 Building $124,730 |
| 2024 | $1,932.00 | ||
| 2023 | $130,300 (+15.2%) Land $18,360 Building $111,940 | $130,300 Land $18,360 Building $111,940 | |
| 2022 | $1,924.00 Homeowner's exemption | $113,110 Land $18,360 Building $94,750 | |
| 2021 | $113,110 Land $18,360 Building $94,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 515 Clair St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 77 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 77 in force |
| Nearby Flood Claims | 231 (1979–2019) |
| Claims Outside the SFHA | 5 of 231 |
| Most Recent Claim | Mar 2019 · 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.
Wildfire risk around 515 Clair St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 76% 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.
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 50 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: Nextlink.
5G (outdoors only) and 4G LTE
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