5319 Celtic Ct, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 5319 Celtic Ct, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,891 sqft · built 2013
Lot Size	0.242 acres (10,560 sqft)
Owner	2 Individual Names on File
Last Sale	$387,000 (Jan 2025)
Tax Bill	$5,546 (2025)
Deeds & Mortgages	Feb 2020 Refinance Jan 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8914-26-430-047`

Property Details

APN / Parcel Number

Primary APN	`8914-26-430-047`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,891 sqft Living Area
1st Floor Area	487 sqft
Basement Area	887 sqft
Finished Basement	650 sqft
Unfinished Basement	887 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,560 sqft (0.242 acres)
Lot Dimensions	160 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	613 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	5319 CELTIC CT
City	CEDAR FALLS
State	IA
Zip	50613-7026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VIKING HILLS FOURTH ADDITION LOT 24
Legal Range	14W
Legal Township	89N
Legal Section	26
Legal Subdivision	VIKING HILLS FOURTH ADDITION
Legal Lot Number	24
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2001
Census Tract	2601

Owner

5319 Celtic Ct is owned and occupied by two individuals who bought it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	5319 CELTIC CT, CEDAR FALLS, IA 50613-7026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK
Jan 7, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION
Apr 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Jan 17, 2025	Deed, Transfer · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2025 · Amount on File
Deed Sale	Jan 17, 2025 · Amount on File
Deed Document Number	2025850
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5319 CELTIC CT, CEDAR FALLS, IA 50613-7026
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202000013612
Date	Feb 4, 2020
Instrument	202000013612

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5319 CELTIC CT, CEDAR FALLS, IA 50613-7026
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900010603
Date	Jan 7, 2019
Instrument	201900010603

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5319 CELTIC CT, CEDAR FALLS, IA 50613-7026
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5319 CELTIC CT, CEDAR FALLS, IA 50613-7026

Mortgage

Document Number	0202505597
Date	Apr 28, 2025
Instrument	2025-05597

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	131 TOWER PARK DR STE 100, WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

January 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 17, 2025
Property Address	5319 CELTIC CT, CEDAR FALLS, IA 50613-7026
Document Number	0202500850
Instrument Date	Jan 17, 2025
Instrument	2025-00850
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$618.40
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	5319 CELTIC CT, CEDAR FALLS, IA 50613-7026

Mortgage

Document Number	0202500851
Date	Jan 17, 2025
Instrument	2025-00851

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2032
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	9.37%
Index	1-Year CMT
Max Rate	13.3%

Tax Assessment & Valuation

The 2025 property tax bill for 5319 Celtic Ct was $5,546 with a homeowner's exemption, up 1.5% 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	Cedar Falls Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,546.00 (+1.54%) Homeowner's exemption	$380,400 Land $49,760 Building $330,640	$380,400 Land $49,760 Building $330,640
2024	$5,462.00
2023		$349,620 (+23.22%) Land $49,760 Building $299,860	$349,620 Land $49,760 Building $299,860
2022	$5,074.00 Homeowner's exemption	$283,740 Land $49,760 Building $233,980
2021			$283,740 Land $49,760 Building $233,980

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

Flood

FEMA maps place 5319 Celtic Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 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.

Wildfire

Wildfire risk around 5319 Celtic Ct is low, with less than 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 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 213 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

May also be available: GigFire.

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