807 Bluff St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 807 Bluff St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,667 sqft · built 1949
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Nov 2025)
Tax Bill	$3,088 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Nov 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8914-12-410-011`

Property Details

APN / Parcel Number

Primary APN	`8914-12-410-011`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,667 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Finished Basement	336 sqft
Unfinished Basement	672 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Block
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	784 sqft
Parking Spaces	3 Parking Spaces
Patio Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	807 BLUFF ST
City	CEDAR FALLS
State	IA
Zip	50613-3323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E BROWNS SECOND ADDITION LOT 2 BLK 12
Legal Range	14W
Legal Township	89N
Legal Section	12
Legal Subdivision	E BROWNS SECOND ADDITION
Legal Block	12
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	3
Census Block	3017
Census Tract	2200

Owner

807 Bluff St is owned and occupied by two individuals who bought it in November 2025.

Source: Black Hawk County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	807 BLUFF ST, CEDAR FALLS, IA 50613-3323
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 26, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Nov 3, 2025	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Jan 2, 2025	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Nov 26, 2025	Warranty Deed, Transfer
Dec 6, 2023	Affidavit of Death of Joint Tenant, Transfer
Aug 25, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2025 · Amount on File
Deed Sale	Nov 26, 2025 · Amount on File
Deed Document Number	202517457
Prior Transfer Date	Dec 5, 2024
Prior Transfer Doc	0000007376
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	807 BLUFF ST, CEDAR FALLS, IA 50613-3323
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	807 BLUFF ST, CEDAR FALLS, IA 50613-3323
Investor	Possibly a Property Investor

Mortgage

Document Number	202100022401
Date	Apr 26, 2021
Instrument	202100022401

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 25, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	807 BLUFF ST, CEDAR FALLS, IA 50613-3323
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	807 BLUFF ST, CEDAR FALLS, IA 50613-3323

Mortgage

Document Number	0202516116
Date	Nov 3, 2025
Instrument	2025-16116

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	PO BOX 800, NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 2, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	807 BLUFF ST, CEDAR FALLS, IA 50613-3323
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	807 BLUFF ST, CEDAR FALLS, IA 50613-3323
Investor	Possibly a Property Investor

Mortgage

Document Number	0202500053
Date	Jan 2, 2025
Instrument	2025-00053

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	2355 LANDON RD, NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 26, 2025
Property Address	807 BLUFF ST, CEDAR FALLS, IA 50613-3323
Document Number	0202517457
Instrument Date	Nov 23, 2025
Instrument	2025-17457
Transaction Type	Transfer
Record Updated	Dec 4, 2025

Transaction

Amount	Amount on Record
Tax	$431.20
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	807 BLUFF ST, CEDAR FALLS, IA 50613-3323

December 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 6, 2023
Property Address	807 BLUFF ST, CEDAR FALLS, IA 50613-3323
Document Number	202400007376
Instrument Date	Nov 15, 2023
Instrument	202400007376
Transaction Type	Transfer
Record Updated	Dec 4, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	807 BLUFF ST, CEDAR FALLS, IA 50613-3323
Investor	Possibly a Property Investor

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 25, 2023
Property Address	807 BLUFF ST, CEDAR FALLS, IA 50613-3323
Document Number	202400002793
Instrument Date	Aug 25, 2023
Instrument	202400002793
Transaction Type	Transfer
Record Updated	Dec 4, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	807 BLUFF ST, CEDAR FALLS, IA 50613-3323

Tax Assessment & Valuation

The 2025 property tax bill for 807 Bluff St was $3,088 with a homeowner's exemption, down 0.5% 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	$3,088.00 (-0.45%) Homeowner's exemption	$240,170 Land $48,510 Building $191,660	$240,170 Land $48,510 Building $191,660
2024	$3,102.00
2023		$225,140 (+23.75%) Land $32,340 Building $192,800	$225,140 Land $32,340 Building $192,800
2022	$3,132.00 Homeowner's exemption	$181,930 Land $32,340 Building $149,590
2021			$181,930 Land $32,340 Building $149,590

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

Flood

FEMA maps place 807 Bluff St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

The area around 807 Bluff 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 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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