539 Fireside Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 539 Fireside Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,019 sqft · built 1990
Lot Size	0.179 acres (7,810 sqft)
Owner	2 Individual Names on File
Last Sale	$202,375 (May 2015)
Tax Bill	$4,122 (2025)
Deeds & Mortgages	Dec 2007 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-11-301-010`

Property Details

APN / Parcel Number

Primary APN	`8914-11-301-010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,019 sqft Living Area
1st Floor Area	977 sqft
Basement Area	977 sqft
Finished Basement	600 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,810 sqft (0.179 acres)
Lot Dimensions	110 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	539 FIRESIDE DR
City	CEDAR FALLS
State	IA
Zip	50613-2037
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTHSIDE ADDITION LOT 34
Legal Range	14W
Legal Township	89N
Legal Section	11
Legal Subdivision	HEARTHSIDE ADDITION
Legal Lot Number	34
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2012
Census Tract	2605

Owner

539 Fireside Dr is owned and occupied by two individuals who bought it in May 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	539 FIRESIDE DR, CEDAR FALLS, IA 50613-2037
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
Dec 6, 2007	Deed of Trust, Mortgage · USDA Mortgage USDA
Sep 16, 2019	Deed of Trust, Mortgage · ARM GREENSTATE CREDIT UNION
Aug 30, 2019	Deed of Trust, Mortgage · Balloon Mortgage GREENSTATE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2015 · Amount on File
Deed Sale	May 21, 2015 · Amount on File
Deed Document Number	201518890
Record Updated	Oct 29, 2026

December 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	539 FIRESIDE DR, CEDAR FALLS, IA 50613-2037
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2008011794
Date	Dec 6, 2007
Instrument	2008011794

Lender

Name	USDA
Type	Government Agency
Address	URBANDALE, IA 50322

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 3, 2022

Interest

Rate Type	Adjustable Rate
Rate	4%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	539 FIRESIDE DR, CEDAR FALLS, IA 50613-2037
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000004875
Date	Sep 16, 2019
Instrument	202000004875

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.2%
Type Change Date	Sep 5, 2024
Index	1-Year CMT

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	539 FIRESIDE DR, CEDAR FALLS, IA 50613-2037
Transaction Type	Mortgage
Record Updated	Oct 2, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000003948
Date	Aug 30, 2019
Instrument	202000003948

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 539 Fireside Dr was $4,122, up 18.4% 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	$4,122.00 (+18.45%)	$274,620 Land $44,090 Building $230,530	$274,620 Land $44,090 Building $230,530
2024	$3,480.00
2023		$216,280 (+11.03%) Land $44,090 Building $172,190	$216,280 Land $44,090 Building $172,190
2022	$3,596.00	$194,800 Land $44,090 Building $150,710
2021			$194,800 Land $44,090 Building $150,710

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

Flood

FEMA maps place 539 Fireside 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.

Wildfire

Wildfire risk around 539 Fireside Dr 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	None beyond ember reach

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 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.

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