903 Pearl St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 903 Pearl St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 925 sqft · built 1960
Lot Size	0.143 acres (6,250 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Apr 2016)
Tax Bill	$2,604 (2025)
Deeds & Mortgages	Mar 2012 Mortgage Apr 2006 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8914-11-480-006`

Property Details

APN / Parcel Number

Primary APN	`8914-11-480-006`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	925 sqft Living Area
1st Floor Area	925 sqft
Basement Area	925 sqft
Finished Basement	425 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Deck Area	200 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	903 PEARL ST
City	CEDAR FALLS
State	IA
Zip	50613-2457
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLN PARK LOT 1 BLK 3
Legal Range	14W
Legal Township	89N
Legal Section	11
Legal Subdivision	LINCOLN PARK
Legal Block	3
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	5
Census Block	5025
Census Tract	2200

Owner

903 Pearl St is owned by two individuals who bought it in April 2016.

Source: Black Hawk County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1006 W 9TH ST, CEDAR FALLS, IA 50613-2450
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2012	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Apr 5, 2006	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Jan 19, 2005	Legal Action/Court Order, Foreclosure · Balloon Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2016 · Amount on File
Deed Sale	Apr 18, 2016 · Amount on File
Prior Sale	Feb 21, 2007 · Amount on File
Deed Document Number	201617553
Record Updated	Oct 29, 2026

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	903 PEARL ST, CEDAR FALLS, IA 50613-2457
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012016258
Date	Mar 5, 2012
Instrument	2012016258

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50702

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2027

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	903 PEARL ST, CEDAR FALLS, IA 50613-2457
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006024086
Date	Apr 5, 2006
Instrument	2006024086

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2005: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 19, 2005
Property Address	903 PEARL ST, CEDAR FALLS, IA 50613-2457
Document Number	2005017235
Instrument Date	Jan 18, 2005
Instrument	2005017235
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	IOWA TITLE AND ESCROW SERVICES INC, IOWA TITLE & ESCROW SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$154.40
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 PEARL ST, CEDAR FALLS, IA 50613-2457

Mortgage

Document Number	2005017236
Date	Jan 19, 2005
Instrument	2005017236

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	61 Months
Due	Feb 1, 2010

Tax Assessment & Valuation

The 2025 property tax bill for 903 Pearl St was $2,604, up 3.6% 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	$2,604.00 (+3.58%)	$173,540 Land $33,950 Building $139,590	$173,540 Land $33,950 Building $139,590
2024	$2,514.00
2023		$156,210 (+23.67%) Land $21,830 Building $134,380	$156,210 Land $21,830 Building $134,380
2022	$2,332.00	$126,310 Land $21,830 Building $104,480
2021			$126,310 Land $21,830 Building $104,480

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

Flood

FEMA maps place 903 Pearl St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 903 Pearl 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 420 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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