904 W 3rd St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 904 W 3rd St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 988 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on Record
Last Sale	$98,000 (Oct 2020)
Tax Bill	$2,002 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Oct 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8914-11-284-004`

Property Details

APN / Parcel Number

Primary APN	`8914-11-284-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	419 sqft
Attic	Attic
Attic Area	231 sqft
Basement Area	419 sqft
Unfinished Basement	419 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
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	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	904 W 3RD ST
City	CEDAR FALLS
State	IA
Zip	50613-2236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A MULLARKYS ADDITION LOT 2 BLK 6
Legal Range	14W
Legal Township	89N
Legal Section	11
Legal Subdivision	A MULLARKYS ADDITION
Legal Block	6
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2019
Census Tract	2200

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	Company Name on Record
Mailing Address	907 SHERIDAN RD, WATERLOO, IA 50701-4945
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Oct 7, 2020	Warranty Deed, Transfer · Line of Credit FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2020 · Amount on Record
Deed Sale	Oct 7, 2020 · Amount on Record
Prior Sale	Dec 27, 2012 · Amount on Record
Deed Document Number	20202100007457
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	904 W 3RD ST, CEDAR FALLS, IA 50613-2236
Transaction Type	Mortgage
Record Updated	Jul 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100027157
Date	Jun 23, 2021
Instrument	202100027157

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 7, 2020
Property Address	904 W 3RD ST, CEDAR FALLS, IA 50613-2236
Document Number	202100007457
Instrument Date	Oct 6, 2020
Instrument	202100007457
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 SHERIDAN RD, WATERLOO, IA 50701-4945

Mortgage

Document Number	202100007458
Date	Oct 7, 2020
Instrument	202100007458

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 6, 2040

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	$2,002.00 (+9.64%)	$133,370 (+17.5%) Land $45,280 Building $88,090	$133,370 (+17.5%) Land $45,280 Building $88,090
2024	$1,826.00 (+6.29%)
2023		$113,510 (+21.92%) Land $29,110 Building $84,400	$113,510 (+21.92%) Land $29,110 Building $84,400
2022	$1,718.00	$93,100 Land $29,110 Building $63,990
2021			$93,100 Land $29,110 Building $63,990

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (1993–2016)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 82% 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.

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 554 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

May also be available: Nextlink.

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