704 Bluff St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 704 Bluff St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 793 sqft · built 1922
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$91,500 (Feb 2021)
Tax Bill	$1,750 (2025)
Deeds & Mortgages	Nov 2025 Transfer Feb 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-12-411-001`

Property Details

APN / Parcel Number

Primary APN	`8914-12-411-001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	793 sqft Living Area
1st Floor Area	336 sqft
Basement Area	534 sqft
Unfinished Basement	534 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	99 ft deep x 66 ft wide
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	704 BLUFF ST
City	CEDAR FALLS
State	IA
Zip	50613-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARRISONS ADDITION LOT 10 BLK 2
Legal Range	14W
Legal Township	89N
Legal Section	12
Legal Subdivision	GARRISONS ADDITION
Legal Block	2
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3012
Census Tract	2200

Owner

704 Bluff St is owned and occupied by two individuals who acquired it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	704 BLUFF ST, CEDAR FALLS, IA 50613-3322
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
Nov 17, 2025	Intrafamily Transfer, Transfer TITLE SERVICES CORPORATION
Feb 15, 2021	Warranty Deed, Transfer TITLE SERVICES CORPORATION
Oct 4, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2021 · Amount on File
Deed Sale	Feb 15, 2021 · Amount on File
Prior Sale	Oct 4, 2019 · Amount on File
Deed Document Number	202117113
Last Transfer Date	Nov 5, 2025
Transfer Doc	0202516831
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 17, 2025
Property Address	704 BLUFF ST, CEDAR FALLS, IA 50613-3322
Document Number	0202516831
Instrument Date	Nov 5, 2025
Instrument	2025-16831
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	TITLE SERVICES CORPORATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 15, 2021
Property Address	704 BLUFF ST, CEDAR FALLS, IA 50613-3322
Document Number	202100017113
Instrument Date	Feb 10, 2021
Instrument	202100017113
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Tax	$145.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 BLUFF ST, CEDAR FALLS, IA 50613-3322

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 4, 2019
Property Address	704 BLUFF ST, CEDAR FALLS, IA 50613-3322
Document Number	202000006317
Instrument Date	Sep 17, 2019
Instrument	202000006317
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
Address	704 BLUFF ST, CEDAR FALLS, IA 50613-3322

Mortgage

Document Number	202000006318
Date	Oct 4, 2019
Instrument	202000006318

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 704 Bluff St was $1,750, up 7.8% 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	$1,750.00 (+7.76%)	$116,520 Land $43,560 Building $72,960	$116,520 Land $43,560 Building $72,960
2024	$1,624.00
2023		$97,160 (+15.42%) Land $29,040 Building $68,120	$97,160 Land $29,040 Building $68,120
2022	$1,554.00	$84,180 Land $29,040 Building $55,140
2021			$84,180 Land $29,040 Building $55,140

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

Flood

FEMA maps place 704 Bluff St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	14 (1990–2016)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 3 claims Severe Storms, Flooding, And Tornadoes, May 1999 · 3 claims Severe Storms & Flooding, Aug 1993 · 4 claims

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 704 Bluff St 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 201 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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