Black Hawk County property record for 809 Eagle Ridge Rd, Cedar Falls, IA 50613
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 2,373 sqft · built 2000 |
| Lot Size | 0.31 acres (13,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $425,000 (May 2021) |
| Tax Bill | $7,288 (2025) |
| Deeds & Mortgages | Aug 2026 Construction Loan Feb 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8914-03-428-010 |
| Primary APN | 8914-03-428-010 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 5 Half Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,373 sqft Living Area |
| 1st Floor Area | 718 sqft |
| Basement Area | 1,238 sqft |
| Finished Basement | 875 sqft |
| Unfinished Basement | 1,238 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,500 sqft (0.31 acres) |
| Lot Dimensions | 135 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 790 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 174 sqft |
| Deck Area | 98 sqft |
| Patio Area | 412 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 809 EAGLE RIDGE RD |
|---|---|
| City | CEDAR FALLS |
| State | IA |
| Zip | 50613-1576 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE RIDGES ADDITION LOT 24 |
| Legal Range | 14W |
| Legal Township | 89N |
| Legal Section | 03 |
| Legal Subdivision | THE RIDGES ADDITION |
| Legal Lot Number | 24 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | CEDAR FALLS |
| Census Block Group | 2 |
| Census Block | 2092 |
| Census Tract | 2606 |
Source: Black Hawk County records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 809 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1576 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2026 | Deed of Trust, Mortgage · Construction Mortgage SOUTH OTTUMWA SAVINGS BANK |
| Feb 16, 2022 | Deed of Trust, Mortgage SOUTH OTTUMWA SAVINGS BANK |
| Dec 22, 2021 | Deed of Trust, Mortgage · Line of Credit SOUTH OTTUMWA SAVINGS BANK |
| Dec 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH OTTUMWA SAVINGS BANK |
| May 6, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage SOUTH OTTUMWA SAVINGS BANK |
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU |
| Sep 17, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2021 · Amount on Record |
| Deed Sale | May 6, 2021 · Amount on Record |
| Prior Sale | Mar 19, 2013 · Amount on Record |
| Deed Document Number | 202123421 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 25, 2026 |
| Property Address | 809 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1576 |
| Document Number | 0000012828 |
| Instrument Date | Aug 19, 2026 |
| Instrument | 202612828 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 809 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1576 |
| Document Number | 0000012828, |
|---|---|
| Date | Aug 25, 2026 |
| Instrument | 202612828 |
| Name | SOUTH OTTUMWA SAVINGS BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 24, 2027 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 809 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1576 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202200016630 |
|---|---|
| Date | Feb 16, 2022 |
| Instrument | 202200016630 |
| Name | SOUTH OTTUMWA SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | WEST LIBERTY, IA 52776 |
| Amount | Amount Recorded |
|---|---|
| Term | 118 Months |
| Due | Dec 20, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 809 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1576 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202200013040 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 202200013040 |
| Name | SOUTH OTTUMWA SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | WEST LIBERTY, IA 52776 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 20, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 809 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1576 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202200013039 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 202200013039 |
| Name | SOUTH OTTUMWA SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | WEST LIBERTY, IA 52776 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 6, 2021 |
| Property Address | 809 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1576 |
| Document Number | 202100023421 |
| Instrument Date | Apr 27, 2021 |
| Instrument | 202100023421 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $679.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 809 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1576 |
| Document Number | 202100023422 |
|---|---|
| Date | May 6, 2021 |
| Instrument | 202100023422 |
| Name | SOUTH OTTUMWA SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 5, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 809 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1576 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202000023089 |
|---|---|
| Date | Jun 29, 2020 |
| Instrument | 202000023089 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 809 EAGLE RIDGE RD, CEDAR FALLS, IA 50613-1576 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2019 |
| Name | Verified Name |
|---|
| Document Number | 202000004999 |
|---|---|
| Date | Sep 17, 2019 |
| Instrument | 202000004999 |
| Name | GREENSTATE CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2034 |
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 | Cedar Falls Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,288.00 (-1.83%) Homeowner's exemption | $496,390 (+5.25%) Land $71,780 Building $424,610 | $496,390 (+5.25%) Land $71,780 Building $424,610 |
| 2024 | $7,424.00 (+2.71%) | ||
| 2023 | $471,620 (+17.79%) Land $71,780 Building $399,840 | $471,620 (+17.79%) Land $71,780 Building $399,840 | |
| 2022 | $7,228.00 Homeowner's exemption | $400,390 Land $71,780 Building $328,610 | |
| 2021 | $400,390 Land $71,780 Building $328,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 91% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 149 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 |
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