626 Eagle Ridge Rd, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 626 Eagle Ridge Rd, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 2,293 sqft · built 1997
Lot Size	0.254 acres (11,050 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (May 2009)
Tax Bill	$6,696 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Oct 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`8914-03-429-006`

Property Details

APN / Parcel Number

Primary APN	`8914-03-429-006`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	5 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,293 sqft Living Area
1st Floor Area	735 sqft
Basement Area	1,175 sqft
Finished Basement	750 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,050 sqft (0.254 acres)
Lot Dimensions	130 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	688 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	148 sqft
Deck Area	240 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	626 EAGLE RIDGE RD
City	CEDAR FALLS
State	IA
Zip	50613-1578
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RIDGES ADDITION LOT 6
Legal Range	14W
Legal Township	89N
Legal Section	03
Legal Subdivision	THE RIDGES ADDITION
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2102
Census Tract	2606

Owner

626 Eagle Ridge Rd is owned and occupied by an individual who bought it in May 2009.

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

Owner of Record	Individual Name on File
Mailing Address	626 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1578
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
Sep 27, 2021	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Oct 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2009 · Amount on File
Deed Sale	May 1, 2009 · Amount on File
Deed Document Number	200920726
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	626 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1578
Transaction Type	Mortgage
Record Updated	Oct 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200006645
Date	Sep 27, 2021
Instrument	202200006645

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 25, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	626 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1578
Transaction Type	Mortgage
Record Updated	Nov 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000008001
Date	Oct 30, 2019
Instrument	202000008001

Lender

Name	FARMERS STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 626 Eagle Ridge Rd was $6,696 with a homeowner's exemption, up 1.8% 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	$6,696.00 (+1.79%) Homeowner's exemption	$455,010 Land $60,390 Building $394,620	$455,010 Land $60,390 Building $394,620
2024	$6,578.00
2023		$427,380 (+15.93%) Land $60,390 Building $366,990	$427,380 Land $60,390 Building $366,990
2022	$6,580.00 Homeowner's exemption	$368,660 Land $60,390 Building $308,270
2021			$368,660 Land $60,390 Building $308,270

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

Flood

FEMA maps place 626 Eagle Ridge Rd 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 626 Eagle Ridge Rd is low, with 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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	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 146 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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