Black Hawk County property record for 522 Hearthside Dr, Cedar Falls, IA 50613
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,850 sqft · built 1991 |
| Lot Size | 0.238 acres (10,350 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,124 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8914-11-302-026 |
| Primary APN | 8914-11-302-026 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,850 sqft Living Area |
| 1st Floor Area | 848 sqft |
| Basement Area | 848 sqft |
| Finished Basement | 275 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,350 sqft (0.238 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 403 sqft |
| Patio Area | 403 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 522 HEARTHSIDE DR |
|---|---|
| City | CEDAR FALLS |
| State | IA |
| Zip | 50613-2042 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEARTHSIDE ADDITION LOT 85 |
| Legal Range | 14W |
| Legal Township | 89N |
| Legal Section | 11 |
| Legal Subdivision | HEARTHSIDE ADDITION |
| Legal Lot Number | 85 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | CEDAR FALLS |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 2605 |
522 Hearthside Dr is owned and occupied by two individuals.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 522 HEARTHSIDE DR, CEDAR FALLS, IA 50613-2042 |
| 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 | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 522 HEARTHSIDE DR, CEDAR FALLS, IA 50613-2042 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201800008478 |
|---|---|
| Date | Nov 14, 2017 |
| Instrument | 2018-00008478 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2047 |
The 2025 property tax bill for 522 Hearthside Dr was $4,124, up 2.1% 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 | $4,124.00 (+2.13%) | $274,790 Land $46,210 Building $228,580 | $274,790 Land $46,210 Building $228,580 |
| 2024 | $4,038.00 | ||
| 2023 | $250,880 (+12.2%) Land $46,210 Building $204,670 | $250,880 Land $46,210 Building $204,670 | |
| 2022 | $4,128.00 | $223,610 Land $46,210 Building $177,400 | |
| 2021 | $223,610 Land $46,210 Building $177,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 Hearthside Dr in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 522 Hearthside Dr 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 406 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cedar Falls Utilities Fiber | 10,000 / 10,000 |
| Nextlink Fixed Wireless | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GigFire.
5G (outdoors only) and 4G LTE
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