5409 Red Oak Ln, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 5409 Red Oak Ln, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,643 sqft · built 2021
Lot Size	0.257 acres (11,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$387,500 (Jun 2021)
Tax Bill	$7,132 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8914-27-429-012`

Property Details

APN / Parcel Number

Primary APN	`8914-27-429-012`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,643 sqft Living Area
Basement Area	1,643 sqft
Finished Basement	850 sqft
Unfinished Basement	1,643 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,200 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	727 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	5409 RED OAK LN
City	CEDAR FALLS
State	IA
Zip	50613-1211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE ARBORS THIRD ADDITION LOT 33
Legal Range	14W
Legal Township	89N
Legal Section	27
Legal Subdivision	THE ARBORS THIRD ADDITION
Legal Lot Number	33
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	1
Census Block	1010
Census Tract	2606

Owner

Source: Black Hawk County records, as of September 1, 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 Record
Mailing Address	5409 RED OAK LN, CEDAR FALLS, IA 50613-1211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Jun 15, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2021 · Amount on Record
Deed Sale	Jun 15, 2021 · Amount on Record
Deed Document Number	202126448
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	5409 RED OAK LN, CEDAR FALLS, IA 50613-1211
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200004049
Date	Aug 23, 2021
Instrument	202200004049

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 15, 2021
Property Address	5409 RED OAK LN, CEDAR FALLS, IA 50613-1211
Document Number	202100026448
Instrument Date	May 9, 2021
Instrument	202100026448
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$619.20
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	5409 RED OAK LN, CEDAR FALLS, IA 50613-1211

Mortgage

Document Number	202100026449
Date	Jun 15, 2021
Instrument	202100026449

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 5, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 5, 2028
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	4.62%
Index	1-Year CMT
Max Rate	8.62%

Mortgage

Document Number	202100026450
Date	Jun 15, 2021
Instrument	202100026450

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 5, 2031

Tax Assessment & Valuation

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	$7,132.00 (+8.36%) Homeowner's exemption	$486,040 (+15.92%) Land $64,000 Building $422,040	$486,040 (+15.92%) Land $64,000 Building $422,040
2024	$6,582.00 (+0.67%)
2023		$419,290 (+18.39%) Land $64,000 Building $355,290	$419,290 (+18.39%) Land $64,000 Building $355,290
2022	$6,538.00	$354,150 Land $64,000 Building $290,150
2021			$354,150 Land $64,000 Building $290,150

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

Flood

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	5 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Apr 2008 · river or lake flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Mediacom Xtream.

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