709 Tremont St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 709 Tremont St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,247 sqft · built 1905
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Apr 2022)
Tax Bill	$4,652 (2025)
Deeds & Mortgages	Nov 2019 Refinance Nov 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8914-12-316-004`

Property Details

APN / Parcel Number

Primary APN	`8914-12-316-004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,247 sqft Living Area
1st Floor Area	932 sqft
Attic	Attic
Attic Area	513 sqft
Basement Area	1,172 sqft
Finished Basement	500 sqft
Unfinished Basement	1,172 sqft
Game Room	Game Room
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	110 sqft
Deck Area	274 sqft
Patio Area	274 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	709 TREMONT ST
City	CEDAR FALLS
State	IA
Zip	50613-2928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARTMAN AND SPEERS ADDITION LOT 2 BLK 2
Legal Range	14W
Legal Township	89N
Legal Section	12
Legal Subdivision	HARTMAN AND SPEERS ADDITION
Legal Block	2
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	4
Census Block	4017
Census Tract	2200

Owner

709 Tremont St is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	709 TREMONT ST, CEDAR FALLS, IA 50613-2928
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
Nov 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CEDAR FALLS COMMUNITY CREDIT UNION
Nov 19, 2018	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF IOWA CREDIT UNION
Apr 6, 2022	Warranty Deed, Transfer
Jun 9, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2022 · Amount on File
Deed Sale	Apr 6, 2022 · Amount on File
Prior Sale	Jun 9, 2020 · Amount on File
Deed Document Number	202219600
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	709 TREMONT ST, CEDAR FALLS, IA 50613-2928
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000008235
Date	Nov 4, 2019
Instrument	202000008235

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Dec 1, 2024

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	709 TREMONT ST, CEDAR FALLS, IA 50613-2928
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008009
Date	Nov 19, 2018
Instrument	201900008009

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	14 Months
Due	Jan 1, 2020

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 6, 2022
Property Address	709 TREMONT ST, CEDAR FALLS, IA 50613-2928
Document Number	202200019600
Instrument Date	Mar 23, 2022
Instrument	202200019600
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Tax	$383.20
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 with Right of Survivorship
Address	709 TREMONT ST, CEDAR FALLS, IA 50613-2928

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 9, 2020
Property Address	709 TREMONT ST, CEDAR FALLS, IA 50613-2928
Document Number	202000021621
Instrument Date	May 28, 2020
Instrument	202000021621
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$321.60
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	709 TREMONT ST, CEDAR FALLS, IA 50613-2928

Mortgage

Document Number	202000021622
Date	Jun 9, 2020
Instrument	202000021622

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 709 Tremont St was $4,652 with a homeowner's exemption, up 4.9% 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	$4,652.00 (+4.94%) Homeowner's exemption	$335,430 Land $48,510 Building $286,920	$335,430 Land $48,510 Building $286,920
2024	$4,433.00
2023		$296,140 (+17.11%) Land $32,340 Building $263,800	$296,140 Land $32,340 Building $263,800
2022	$4,556.00 Homeowner's exemption	$252,880 Land $32,340 Building $220,540
2021			$252,880 Land $32,340 Building $220,540

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

Flood

FEMA maps place 709 Tremont St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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
Nearby Flood Claims	1 (1993)
Most Recent Claim	Apr 1993 · Severe Storms & 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

The area around 709 Tremont St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 554 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
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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