74 River Ridge Rd, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 74 River Ridge Rd, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,955 sqft · built 1972
Lot Size	0.28 acres (12,200 sqft)
Owner	Individual Name on Record
Last Sale	$310,500 (May 2023)
Tax Bill	$6,476 (2025)
Deeds & Mortgages	Jul 2024 Line of Credit Jan 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-02-377-003`

Property Details

APN / Parcel Number

Primary APN	`8914-02-377-003`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Building Area	1,955 sqft Living Area
1st Floor Area	1,667 sqft
Basement Area	1,667 sqft
Finished Basement	625 sqft
Unfinished Basement	1,667 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,200 sqft (0.28 acres)
Lot Dimensions	122 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	74 RIVER RIDGE RD
City	CEDAR FALLS
State	IA
Zip	50613-1729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERLEDGE ADDITION LOT 43
Legal Range	14W
Legal Township	89N
Legal Section	02
Legal Subdivision	TIMBERLEDGE ADDITION
Legal Lot Number	43
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2096
Census Tract	2606

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	74 RIVER RIDGE RD, CEDAR FALLS, IA 50613-1729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2024	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Jan 28, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
May 11, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2023 · Amount on Record
Deed Sale	May 11, 2023 · Amount on Record
Deed Document Number	202315087
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	74 RIVER RIDGE RD, CEDAR FALLS, IA 50613-1729
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 RIVER RIDGE RD, CEDAR FALLS, IA 50613-1729

Mortgage

Document Number	0202416844
Date	Jul 3, 2024
Instrument	2024-16844

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Jun 25, 2029

Interest

Change Frequency	Monthly

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	74 RIVER RIDGE RD, CEDAR FALLS, IA 50613-1729
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 RIVER RIDGE RD, CEDAR FALLS, IA 50613-1729

Mortgage

Document Number	0202501246
Date	Jan 28, 2025
Instrument	2025-01246

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 27, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 11, 2023
Property Address	74 RIVER RIDGE RD, CEDAR FALLS, IA 50613-1729
Document Number	202300015087
Instrument Date	May 9, 2023
Instrument	202300015087
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$496.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 RIVER RIDGE RD, CEDAR FALLS, IA 50613-1729

Mortgage

Document Number	202300015089
Date	May 11, 2023
Instrument	202300015089

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

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	$6,476.00 (+29.62%) Homeowner's exemption	$451,300 (+31.83%) Land $33,600 Building $417,700	$451,300 (+31.83%) Land $33,600 Building $417,700
2024	$4,996.00 (-10.75%)
2023		$342,340 (+12.89%) Land $33,600 Building $308,740	$342,340 (+12.89%) Land $33,600 Building $308,740
2022	$5,598.00 Homeowner's exemption	$303,240 Land $33,600 Building $269,640
2021			$303,240 Land $33,600 Building $269,640

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2016 · Severe Storms And 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 71% 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 207 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
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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