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

Black Hawk County property record for 910 W 3rd St, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,528 sqft · built 1930
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,000 (Nov 2017)
Tax Bill	$3,428 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2020 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8914-11-284-003`

Property Details

APN / Parcel Number

Primary APN	`8914-11-284-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,528 sqft Living Area
1st Floor Area	643 sqft
Basement Area	885 sqft
Finished Basement	56 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
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	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	77 sqft
Patio Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	910 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 1 BLK 6
Legal Range	14W
Legal Township	89N
Legal Section	11
Legal Subdivision	A MULLARKYS ADDITION
Legal Block	6
Legal Lot Number	1
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	2 Individual Names on Record
Mailing Address	910 W 3RD ST, CEDAR FALLS, IA 50613-2236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Oct 20, 2020	Deed of Trust, Mortgage · Construction Mortgage GREENSTATE CU
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Jan 13, 2017	Deed of Trust, Mortgage FIRST SECURITY STATE BANK
Nov 20, 2017	Warranty Deed, Transfer · ARM UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2017 · Amount on Record
Deed Sale	Nov 20, 2017 · Amount on Record
Prior Sale	Aug 3, 2016 · Amount on Record
Deed Document Number	20172018-00008829
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	910 W 3RD ST, CEDAR FALLS, IA 50613-2236
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 W 3RD ST, CEDAR FALLS, IA 50613-2236

Mortgage

Document Number	0202516412
Date	Nov 7, 2025
Instrument	2025-16412

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 6, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	910 W 3RD ST, CEDAR FALLS, IA 50613-2236
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 W 3RD ST, CEDAR FALLS, IA 50613-2236

Mortgage

Document Number	202100008407
Date	Oct 20, 2020
Instrument	202100008407

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	910 W 3RD ST, CEDAR FALLS, IA 50613-2236
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100020662
Date	Apr 2, 2021
Instrument	202100020662

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	910 W 3RD ST, CEDAR FALLS, IA 50613-2236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700012779
Date	Jan 13, 2017
Instrument	2017-00012779

Lender

Name	FIRST SECURITY STATE BANK
Address	CEDAR FALLS, IA 50613

Agreement

Amount	Amount Recorded

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 20, 2017
Property Address	910 W 3RD ST, CEDAR FALLS, IA 50613-2236
Document Number	201800008829
Instrument Date	Oct 17, 2017
Instrument	2018-00008829
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268.00
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	910 W 3RD ST, CEDAR FALLS, IA 50613-2236

Mortgage

Document Number	201800008830
Date	Nov 20, 2017
Instrument	2018-00008830

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 5, 2022
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

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	$3,428.00 (+4.64%) Homeowner's exemption	$239,200 (+11.9%) Land $45,280 Building $193,920	$239,200 (+11.9%) Land $45,280 Building $193,920
2024	$3,276.00 (+11.5%)
2023		$213,760 (+27.25%) Land $29,110 Building $184,650	$213,760 (+27.25%) Land $29,110 Building $184,650
2022	$2,938.00 Homeowner's exemption	$167,990 Land $29,110 Building $138,880
2021			$167,990 Land $29,110 Building $138,880

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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