905 Madison St, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 905 Madison St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 912 sqft · built 1968
Lot Size	0.198 acres (8,610 sqft)
Owner	Company Name on Record
Last Sale	$190,000 (Mar 2023)
Tax Bill	$2,970 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-18-302-003`

Property Details

APN / Parcel Number

Primary APN	`8913-18-302-003`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,610 sqft (0.198 acres)
Lot Dimensions	123 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Deck Area	120 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	905 MADISON ST
City	CEDAR FALLS
State	IA
Zip	50613-4403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GUERNSEYS PARK ADDITION LOT 17
Legal Range	13W
Legal Township	89N
Legal Section	18
Legal Subdivision	GUERNSEYS PARK ADDITION
Legal Lot Number	17
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2012
Census Tract	2301

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	PO BOX 362, POLK CITY, IA 50226-0362
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage LUANA SAVINGS BANK
Mar 28, 2022	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2023 · Amount on Record
Deed Sale	Mar 1, 2023 · Amount on Record
Prior Sale	Mar 28, 2022 · Amount on Record
Deed Document Number	202311927
Prior Transfer Date	Apr 9, 2014
Prior Transfer Doc	0000018135
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 1, 2023
Property Address	905 MADISON ST, CEDAR FALLS, IA 50613-4403
Document Number	202300011927
Instrument Date	Feb 27, 2023
Instrument	202300011927
Transaction Type	Transfer
Record Updated	Mar 21, 2023
Title Company	COMMUNITY TITLE, COMMUNITY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$303.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MADISON ST, CEDAR FALLS, IA 50613-4403

Mortgage

Document Number	202300011928
Date	Mar 1, 2023
Instrument	202300011928

Lender

Name	LUANA SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 28, 2022
Property Address	905 MADISON ST, CEDAR FALLS, IA 50613-4403
Document Number	202200018792
Instrument Date	Mar 24, 2022
Instrument	202200018792
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MADISON ST, CEDAR FALLS, IA 50613-4403

Mortgage

Document Number	202200018793
Date	Mar 28, 2022
Instrument	202200018793

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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	$2,970.00 (+7.07%)	$197,910 (+14.82%) Land $26,880 Building $171,030	$197,910 (+14.82%) Land $26,880 Building $171,030
2024	$2,774.00 (+16.16%)
2023		$172,360 (+33.2%) Land $26,880 Building $145,480	$172,360 (+33.2%) Land $26,880 Building $145,480
2022	$2,388.00 Homeowner's exemption	$129,400 Land $26,880 Building $102,520
2021			$129,400 Land $26,880 Building $102,520

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force

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 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.

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 492 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cedar Falls Utilities Fiber	10,000 / 10,000
Nextlink Fixed Wireless	1,000 / 1,000
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.

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