904 Cottage Row Ln, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 904 Cottage Row Ln, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,430 sqft · built 1945
Lot Size	0.483 acres (21,060 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (May 2021)
Tax Bill	$4,270 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`8914-02-427-023`

Property Details

APN / Parcel Number

Primary APN	`8914-02-427-023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,430 sqft Living Area
1st Floor Area	1,430 sqft
Basement Area	1,430 sqft
Unfinished Basement	1,430 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,060 sqft (0.483 acres)
Lot Dimensions	180 ft deep x 134 ft wide
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	4 Parking Spaces
Deck Area	192 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	904 COTTAGE ROW LN
City	CEDAR FALLS
State	IA
Zip	50613-6845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR BARNES PLAT NO 7 PART OF LOT 18 PART OF LOT 19 COM AT NE COR LOT 18 TH S ALONG E LINE LOTS 18 & 19 176.1 FT TO A PT
Legal Range	14W
Legal Township	89N
Legal Section	02
Legal Subdivision	AUDITOR BARNES PLAT NO 7
Legal Lot Number	18,19
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2078
Census Tract	2604

Owner

904 Cottage Row Ln is owned by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	7642 TARTAN RIDGE DR, ALEXANDRIA, KY 41001-1434
Owner Type	Individual

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
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 4, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2021 · Amount on File
Deed Sale	May 4, 2021 · Amount on File
Prior Sale	May 25, 2011 · Amount on File
Deed Document Number	202123208
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	904 COTTAGE ROW LN, CEDAR FALLS, IA 50613-6845
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	BLACK HAWK COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100025982
Date	Jun 9, 2021
Instrument	202100025982

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 4, 2021
Property Address	904 COTTAGE ROW LN, CEDAR FALLS, IA 50613-6845
Document Number	202100023208
Instrument Date	Apr 27, 2021
Instrument	202100023208
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$351.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 COTTAGE ROW LN, CEDAR FALLS, IA 50613-6845

Mortgage

Document Number	202100023209
Date	May 4, 2021
Instrument	202100023209

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 904 Cottage Row Ln was $4,270, up % 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	$4,270.00 (+0.05%)	$284,420 Land $81,810 Building $202,610	$284,420 Land $81,810 Building $202,610
2024	$4,268.00
2023		$265,260 (+23.27%) Land $77,500 Building $187,760	$265,260 Land $77,500 Building $187,760
2022	$3,972.00	$215,180 Land $77,500 Building $137,680
2021			$215,180 Land $77,500 Building $137,680

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

Flood

FEMA maps place 904 Cottage Row Ln in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 55 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	22 (2008–2019)
Most Recent Claim	Mar 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2019 · 20 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 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

Wildfire risk around 904 Cottage Row Ln is low, with a 0.02% annual chance of 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	0.02% 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 26 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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