Black Hawk County property record for 521 Division St, Cedar Falls, IA 50613
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,354 sqft · built 1890 |
| Lot Size | 0.374 acres (16,302 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $124,500 (Feb 2019) |
| Tax Bill | $2,568 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Feb 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8914-11-402-016 |
| Primary APN | 8914-11-402-016 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,354 sqft Living Area |
| 1st Floor Area | 784 sqft |
| Basement Area | 805 sqft |
| Unfinished Basement | 805 sqft |
| Game Room | Game Room |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,302 sqft (0.374 acres) |
| Lot Dimensions | 143 ft deep x 114 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 521 DIVISION ST |
|---|---|
| City | CEDAR FALLS |
| State | IA |
| Zip | 50613-2358 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NELSONS GARDEN ADDITION LOT 39 |
| Legal Range | 14W |
| Legal Township | 89N |
| Legal Section | 11 |
| Legal Subdivision | NELSONS GARDEN ADDITION |
| Legal Lot Number | 39 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | CEDAR FALLS |
| Census Block Group | 5 |
| Census Block | 5004 |
| Census Tract | 2200 |
Source: Black Hawk County records · APN 8914-11-402-016
Assessment roll updated October 17, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 5314 CELTIC CT, CEDAR FALLS, IA 50613-7026 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 02, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK |
| Feb 28, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage UNIVERSITY OF IOWA CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 28, 2019 · Amount on Record |
| Deed Sale | Feb 28, 2019 · Amount on Record |
| Prior Sale | Sep 18, 2012 |
| Deed Document Number | 201912990 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 521 DIVISION ST, CEDAR FALLS, IA 50613-2358 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100016295 |
|---|---|
| Date | Feb 02, 2021 |
| Instrument | 202100016295 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 01, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Feb 28, 2019 |
| Property Address | 521 DIVISION ST, CEDAR FALLS, IA 50613-2358 |
| Document Number | 201900012990 |
| Instrument Date | Feb 19, 2019 |
| Instrument | 201900012990 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 521 DIVISION ST, CEDAR FALLS, IA 50613-2358 |
| Document Number | 201900012991 |
|---|---|
| Date | Feb 28, 2019 |
| Instrument | 201900012991 |
| Name | UNIVERSITY OF IOWA CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 201900012990 |
|---|---|
| Date | Feb 28, 2019 |
| Instrument | 201900012990 |
| Name | UNIVERSITY OF IOWA CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2049 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Cedar Falls City |
| Unified School District | Cedar Falls Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,568.00 | $192,690 (+20.78%) Land $76,570 Building $116,120 | $192,690 (+20.78%) Land $76,570 Building $116,120 |
| 2024 | $2,568.00 (+3.72%) | ||
| 2023 | $159,540 (+19%) Land $49,220 Building $110,320 | $159,540 (+19%) Land $49,220 Building $110,320 | |
| 2022 | $2,476.00 | $134,070 Land $49,220 Building $84,850 | |
| 2021 | $134,070 Land $49,220 Building $84,850 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 91% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cedar Falls Municipal Communications Utility Fiber | 10,000 / 10,000 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, LTD Broadband.
Based on FCC filings for 366 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CEDAR FALLS MUNICIPAL WATER UTILITIES serves 40,713 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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