545 Fireside Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 545 Fireside Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,687 sqft · built 1981
Lot Size	0.179 acres (7,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Oct 2025)
Tax Bill	$4,650 (2025)
Deeds & Mortgages	May 2012 Mortgage Jul 2009 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8914-11-301-011`

Property Details

APN / Parcel Number

Primary APN	`8914-11-301-011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,687 sqft Living Area
1st Floor Area	896 sqft
Attic	Attic
Attic Area	493 sqft
Basement Area	896 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Wood Siding
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

Exterior Amenities

Porch	Slab
Porch Area	234 sqft
Deck Area	Deck Area
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	545 FIRESIDE DR
City	CEDAR FALLS
State	IA
Zip	50613-2037
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTHSIDE ADDITION LOT 33
Legal Range	14W
Legal Township	89N
Legal Section	11
Legal Subdivision	HEARTHSIDE ADDITION
Legal Lot Number	33
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2012
Census Tract	2605

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	545 FIRESIDE DR, CEDAR FALLS, IA 50613-2037
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 18, 2012	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Jul 14, 2009	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jun 16, 2006	Deed of Trust, Mortgage VERIDIAN CU
Oct 20, 2025	Warranty Deed, Transfer · Conventional Mortgage DUPACO COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2025 · Amount on Record
Deed Sale	Oct 20, 2025 · Amount on Record
Prior Sale	Dec 21, 2015 · Amount on Record
Deed Document Number	202515382
Record Updated	Oct 29, 2026

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	545 FIRESIDE DR, CEDAR FALLS, IA 50613-2037
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012021405
Date	May 18, 2012
Instrument	2012021405

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50702

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2042

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	545 FIRESIDE DR, CEDAR FALLS, IA 50613-2037
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010001010
Date	Jul 14, 2009
Instrument	2010001010

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	545 FIRESIDE DR, CEDAR FALLS, IA 50613-2037
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT, BLACK HAWK COUNTY ABSTRACT C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006030015
Date	Jun 16, 2006
Instrument	2006030015

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	61 Months
Due	Jul 1, 2011

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 20, 2025
Property Address	545 FIRESIDE DR, CEDAR FALLS, IA 50613-2037
Document Number	0202515382
Instrument Date	Oct 15, 2025
Instrument	2025-15382
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$511.20
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	545 FIRESIDE DR, CEDAR FALLS, IA 50613-2037

Mortgage

Document Number	0202515383
Date	Oct 20, 2025
Instrument	2025-15383

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

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	$4,650.00 (+21.28%) Homeowner's exemption	$320,610 (+29.01%) Land $44,090 Building $276,520	$320,610 (+29.01%) Land $44,090 Building $276,520
2024	$3,834.00 (-0.31%)
2023		$248,510 (+14.44%) Land $44,090 Building $204,420	$248,510 (+14.44%) Land $44,090 Building $204,420
2022	$3,846.00 Homeowner's exemption	$217,160 Land $44,090 Building $173,070
2021			$217,160 Land $44,090 Building $173,070

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	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

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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