Black Hawk County property record for 7128 Cedar Heights Dr, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,614 sqft · built 1929 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Jul 2011) |
| Tax Bill | $3,388 (2025) |
| Deeds & Mortgages | Sep 2020 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-32-301-002 |
| Primary APN | 8913-32-301-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,614 sqft Living Area |
| 1st Floor Area | 728 sqft |
| Basement Area | 858 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Detached |
| Garage Area | 648 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 56 sqft |
| Patio Area | 264 sqft |
| Shed | 1 Shed |
| Shed Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 7128 CEDAR HEIGHTS DR |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-9723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNPLATTED CEDAR FALLS S 2 A NW SW SEC 32 T 89 R 13 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 32 |
| Legal Subdivision | CEDAR FALLS |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | CEDAR FALLS |
| Census Block Group | 3 |
| Census Block | 3044 |
| Census Tract | 2601 |
7128 Cedar Heights Dr is owned and occupied by an individual who acquired it in July 2015.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7128 CEDAR HEIGHTS DR, WATERLOO, IA 50701-9723 |
| 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.
| Date | Document |
|---|---|
| Sep 8, 2020 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Jul 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2011 · Amount on File |
| Deed Sale | Jul 12, 2011 · Amount on File |
| Deed Document Number | 20112012000745 |
| Last Transfer Date | Jul 14, 2015 |
| Transfer Doc | 201600001276 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 7128 CEDAR HEIGHTS DR, WATERLOO, IA 50701-9723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 7128 CEDAR HEIGHTS DR, WATERLOO, IA 50701-9723 |
| Document Number | 202100005158 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | 202100005158 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 7, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 7128 CEDAR HEIGHTS DR, WATERLOO, IA 50701-9723 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2020 |
| Name | Verified Name |
|---|
| Document Number | 202100001676 |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | 202100001676 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2035 |
The 2025 property tax bill for 7128 Cedar Heights Dr was $3,388 with a homeowner's exemption, up 6.7% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Cedar Falls City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,388.00 (+6.68%) Homeowner's exemption | $220,220 Land $56,000 Building $164,220 | $220,220 Land $56,000 Building $164,220 |
| 2024 | $3,176.00 | ||
| 2023 | $195,420 (+12.67%) Land $56,000 Building $139,420 | $195,420 Land $56,000 Building $139,420 | |
| 2022 | $2,866.00 Homeowner's exemption | $173,450 Land $56,000 Building $117,450 | |
| 2021 | $173,450 Land $56,000 Building $117,450 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7128 Cedar Heights Dr 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
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 7128 Cedar Heights Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 62% of Iowa |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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