908 Royal Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 908 Royal Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 975 sqft · built 1964
Lot Size	0.206 acres (8,960 sqft)
Owner	2 Individual Names on File
Last Sale	$178,000 (May 2020)
Tax Bill	$3,124 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-18-351-020`

Property Details

APN / Parcel Number

Primary APN	`8913-18-351-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	975 sqft Living Area
1st Floor Area	975 sqft
Basement Area	975 sqft
Finished Basement	625 sqft
Unfinished Basement	975 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,960 sqft (0.206 acres)
Lot Dimensions	140 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	208 sqft
Patio Area	208 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	908 ROYAL DR
City	CEDAR FALLS
State	IA
Zip	50613-4417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GUERNSEYS PARK SECOND ADDITION LOT 53
Legal Range	13W
Legal Township	89N
Legal Section	18
Legal Subdivision	GUERNSEYS PARK SECOND ADDITION
Legal Lot Number	53
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2011
Census Tract	2301

Owner

908 Royal Dr is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	908 ROYAL DR, CEDAR FALLS, IA 50613-4417
Occupancy	Owner Occupied
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
May 6, 2020	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Dec 22, 2017	Deed of Trust, Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2020 · Amount on File
Deed Sale	May 6, 2020 · Amount on File
Deed Document Number	202019208
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 6, 2020
Property Address	908 ROYAL DR, CEDAR FALLS, IA 50613-4417
Document Number	202000019208
Instrument Date	May 4, 2020
Instrument	202000019208
Transaction Type	Transfer
Record Updated	Feb 10, 2022
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	$284.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	908 ROYAL DR, CEDAR FALLS, IA 50613-4417

Mortgage

Document Number	202000019209
Date	May 6, 2020
Instrument	202000019209

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	908 ROYAL DR, CEDAR FALLS, IA 50613-4417
Transaction Type	Mortgage
Record Updated	Jan 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00010864
Date	Dec 22, 2017
Instrument	2018-00010864

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	300 Months
Due	Dec 5, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 908 Royal Dr was $3,124 with a homeowner's exemption, up 7.9% 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	$3,124.00 (+7.95%) Homeowner's exemption	$219,060 Land $25,600 Building $193,460	$219,060 Land $25,600 Building $193,460
2024	$2,894.00
2023		$190,050 (+22.76%) Land $25,600 Building $164,450	$190,050 Land $25,600 Building $164,450
2022	$2,694.00 Homeowner's exemption	$154,820 Land $25,600 Building $129,220
2021			$154,820 Land $25,600 Building $129,220

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

Flood

FEMA maps place 908 Royal Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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

Wildfire risk around 908 Royal Dr is low, with less than a 0.01% annual chance of 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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