608 Baker Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 608 Baker Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,979 sqft · built 1956
Lot Size	0.864 acres (37,650 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Nov 2025)
Tax Bill	$3,600 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Sep 2018 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`8914-02-454-004`

Property Details

APN / Parcel Number

Primary APN	`8914-02-454-004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,979 sqft Living Area
1st Floor Area	1,579 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Wood Shingle
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,650 sqft (0.864 acres)
Lot Dimensions	251 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	608 BAKER DR
City	CEDAR FALLS
State	IA
Zip	50613-1711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK HILL ADDITION LOT 32
Legal Range	14W
Legal Township	89N
Legal Section	02
Legal Subdivision	OAK HILL ADDITION
Legal Lot Number	32
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2092
Census Tract	2606

Owner

608 Baker Dr is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711
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
Jun 23, 2025	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CU
Sep 12, 2018	Deed of Trust, Mortgage FIRST NATIONAL BANK
Nov 18, 2025	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Sep 12, 2018	Warranty Deed, Transfer
Sep 12, 2018	Warranty Deed, Transfer
Sep 12, 2018	Warranty Deed, Transfer
Sep 12, 2018	Warranty Deed, Transfer FIRST NATIONAL BANK
Sep 12, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025 · Amount on File
Deed Sale	Nov 18, 2025 · Amount on File
Prior Sale	Sep 12, 2018 · Amount on File
Deed Document Number	202516985
Prior Transfer Date	Jul 12, 2005
Prior Transfer Doc	2006000981
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202508876
Date	Jun 23, 2025
Instrument	2025-08876

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	123 W 4TH ST, CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 28, 2050

Interest

Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900004238
Date	Sep 12, 2018
Instrument	201900004238

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	112 Months
Due	Jan 1, 2028

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 18, 2025
Property Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711
Document Number	0202516985
Instrument Date	Nov 11, 2025
Instrument	2025-16985
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$479.20
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	608 BAKER DR, CEDAR FALLS, IA 50613-1711

Mortgage

Document Number	0202516986
Date	Nov 18, 2025
Instrument	2025-16986

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

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

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 12, 2018
Property Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711
Document Number	201900004260
Instrument Date	Aug 30, 2018
Instrument	201900004260
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 12, 2018
Property Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711
Document Number	201900004259
Instrument Date	Aug 29, 2018
Instrument	201900004259
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 12, 2018
Property Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711
Document Number	201900004258
Instrument Date	Aug 29, 2018
Instrument	201900004258
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 12, 2018
Property Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711
Document Number	201900004261
Instrument Date	Aug 27, 2018
Instrument	201900004261
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711

Mortgage

Document Number	201900004262
Date	Sep 12, 2018
Instrument	201900004262

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 12, 2018
Property Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711
Document Number	201900004257
Instrument Date	Aug 23, 2018
Instrument	201900004257
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	608 BAKER DR, CEDAR FALLS, IA 50613-1711

Tax Assessment & Valuation

The 2025 property tax bill for 608 Baker Dr was $3,600 with a homeowner's exemption, up 8% 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	$3,600.00 (+8.04%) Homeowner's exemption	$250,670 Land $59,160 Building $191,510	$250,670 Land $59,160 Building $191,510
2024	$3,332.00
2023		$217,240 (+13.82%) Land $59,160 Building $158,080	$217,240 Land $59,160 Building $158,080
2022	$3,360.00 Homeowner's exemption	$190,870 Land $59,160 Building $131,710
2021			$190,870 Land $59,160 Building $131,710

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

Flood

FEMA maps place 608 Baker Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2016 · Severe Storms And 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

Wildfire risk around 608 Baker Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	0.02% 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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cedar Falls Utilities Fiber	10,000 / 10,000
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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