723 Bluff St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 723 Bluff St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,225 sqft · built 1889
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Nov 2022)
Tax Bill	$2,210 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8914-12-410-008`

Property Details

APN / Parcel Number

Primary APN	`8914-12-410-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,225 sqft Living Area
1st Floor Area	592 sqft
Basement Area	722 sqft
Unfinished Basement	722 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
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	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	179 sqft
Deck Area	88 sqft
Patio Area	143 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	723 BLUFF ST
City	CEDAR FALLS
State	IA
Zip	50613-3321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARRISON & DEANS ADDITION LOT 4 BLK 4
Legal Range	14W
Legal Township	89N
Legal Section	12
Legal Subdivision	GARRISON & DEANS ADDITION
Legal Block	4
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3017
Census Tract	2200

Owner

Source: Black Hawk County records, as of September 1, 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	723 BLUFF ST, CEDAR FALLS, IA 50613-3321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2020	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Nov 12, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2022 · Amount on Record
Deed Sale	Nov 12, 2022 · Amount on Record
Prior Sale	Nov 12, 2021 · Amount on Record
Deed Document Number	202210272
Prior Transfer Date	Jul 13, 2006
Prior Transfer Doc	2007001075
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	723 BLUFF ST, CEDAR FALLS, IA 50613-3321
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100002880
Date	Aug 6, 2020
Instrument	202100002880

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Aug 25, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 12, 2021
Property Address	723 BLUFF ST, CEDAR FALLS, IA 50613-3321
Document Number	202200010272
Instrument Date	Oct 29, 2021
Instrument	202200010272
Transaction Type	Transfer
Record Updated	Apr 17, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$295.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	723 BLUFF ST, CEDAR FALLS, IA 50613-3321

Mortgage

Document Number	202200010274
Date	Nov 12, 2021
Instrument	202200010274

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Nov 1, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	9.12%

Mortgage

Document Number	202200010275
Date	Nov 12, 2021
Instrument	202200010275

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 5, 2031

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	$2,210.00 (+4.34%) Homeowner's exemption	$158,070 (+11.4%) Land $48,510 Building $109,560	$158,070 (+11.4%) Land $48,510 Building $109,560
2024	$2,118.00 (+5.27%)
2023		$141,900 (+20.37%) Land $32,340 Building $109,560	$141,900 (+20.37%) Land $32,340 Building $109,560
2022	$2,012.00 Homeowner's exemption	$117,890 Land $32,340 Building $85,550
2021			$117,890 Land $32,340 Building $85,550

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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

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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