705 Clair St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 705 Clair St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1958
Lot Size	0.228 acres (9,916 sqft)
Owner	Individual Name on Record
Last Sale	$47,000 (Jan 2014)
Tax Bill	$2,492 (2025)
Deeds & Mortgages	Oct 2026 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`8914-01-104-026`

Property Details

APN / Parcel Number

Primary APN	`8914-01-104-026`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Metal
Lot Area	9,916 sqft (0.228 acres)
Lot Dimensions	148 ft deep x 67 ft wide
Deck Area	224 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	705 CLAIR ST
City	CEDAR FALLS
State	IA
Zip	50613-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR ACRES ADDITION LOT 37
Legal Range	14W
Legal Township	89N
Legal Section	01
Legal Subdivision	CEDAR ACRES ADDITION
Legal Lot Number	37
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3029
Census Tract	2604

Owner

Source: Black Hawk County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	705 CLAIR ST, CEDAR FALLS, IA 50613-1313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
May 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage CEDAR FALLS COMMUNITY CU
Jan 6, 2022	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2014 · Amount on Record
Deed Sale	Jan 10, 2014 · Amount on Record
Prior Sale	Mar 25, 2013 · Amount on Record
Deed Document Number	201413614
Prior Transfer Date	Mar 6, 2013
Prior Transfer Doc	2013019672
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 13, 2026
Property Address	705 CLAIR ST, CEDAR FALLS, IA 50613-1313
Document Number	0000015443
Instrument Date	Aug 17, 2026
Instrument	202615443
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 CLAIR ST, CEDAR FALLS, IA 50613-1313

Mortgage

Document Number	0000015443,
Date	Oct 13, 2026
Instrument	202615443

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	478 Months
Due	Aug 1, 2066

Interest

Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	705 CLAIR ST, CEDAR FALLS, IA 50613-1313
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 CLAIR ST, CEDAR FALLS, IA 50613-1313

Mortgage

Document Number	202300015174
Date	May 15, 2023
Instrument	202300015174

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2033

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	705 CLAIR ST, CEDAR FALLS, IA 50613-1313
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 CLAIR ST, CEDAR FALLS, IA 50613-1313

Mortgage

Document Number	202200013947
Date	Jan 6, 2022
Instrument	202200013947

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	284 Months
Due	Sep 1, 2045

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	$2,492.00 (+2.72%) Homeowner's exemption	$176,850 (+9.89%) Land $20,500 Building $156,350	$176,850 (+9.89%) Land $20,500 Building $156,350
2024	$2,426.00 (-1.54%)
2023		$160,930 (+13.05%) Land $20,500 Building $140,430	$160,930 (+13.05%) Land $20,500 Building $140,430
2022	$2,464.00 Homeowner's exemption	$142,350 Land $20,500 Building $121,850
2021			$142,350 Land $20,500 Building $121,850

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 77 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	77 in force
Nearby Flood Claims	231 (1979–2019)
Claims Outside the SFHA	5 of 231
Most Recent Claim	Mar 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 76 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 78 claims Severe Storms & Flooding, Aug 1993 · 29 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

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	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 227 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 · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, GigFire, Nextlink.

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