920 Royal Dr, Cedar Falls, IA 50613 Property Records

Black Hawk County property record for 920 Royal Dr, Cedar Falls, IA 50613

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 988 sqft · built 1963
Lot Size	0.206 acres (8,960 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Apr 2026)
Tax Bill	$2,592 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-18-351-018`

Property Details

APN / Parcel Number

Primary APN	`8913-18-351-018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Finished Basement	400 sqft
Unfinished Basement	988 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
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	384 sqft
Parking Spaces	1 Parking Space
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	920 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 51
Legal Range	13W
Legal Township	89N
Legal Section	18
Legal Subdivision	GUERNSEYS PARK SECOND ADDITION
Legal Lot Number	51
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR FALLS
Census Block Group	2
Census Block	2011
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	Individual Name on Record
Mailing Address	920 ROYAL DR, CEDAR FALLS, IA 50613-4417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
Jun 29, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACCESS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2026 · Amount on Record
Deed Sale	Apr 7, 2026 · Amount on Record
Prior Sale	Jun 29, 2023 · Amount on Record
Deed Document Number	20264710
Prior Transfer Date	Sep 15, 2006
Prior Transfer Doc	2007006564
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 7, 2026
Property Address	920 ROYAL DR, CEDAR FALLS, IA 50613-4417
Document Number	0000004710
Instrument Date	Mar 31, 2026
Instrument	20264710
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	ABSTRACT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,471.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 ROYAL DR, CEDAR FALLS, IA 50613-4417
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004711,
Date	Apr 7, 2026
Instrument	20264711

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000004712,
Date	Apr 7, 2026
Instrument	20264712

Lender

Agreement

Amount	Amount Recorded

Interest

Rate	6.01%
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 29, 2023
Property Address	920 ROYAL DR, CEDAR FALLS, IA 50613-4417
Document Number	202300017657
Instrument Date	Jun 21, 2023
Instrument	202300017657
Transaction Type	Transfer
Record Updated	Jul 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.20
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	920 ROYAL DR, CEDAR FALLS, IA 50613-4417

Mortgage

Document Number	202300017658
Date	Jun 29, 2023
Instrument	202300017658

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	920 ROYAL DR, CEDAR FALLS, IA 50613-4417
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100006928
Date	Oct 1, 2020
Instrument	202100006928

Lender

Name	ACCESS BANK
Type	Bank
Address	OMAHA, NE 68144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

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	$2,592.00 (+7.55%) Homeowner's exemption	$183,620 (+13.62%) Land $25,600 Building $158,020	$183,620 (+13.62%) Land $25,600 Building $158,020
2024	$2,410.00 (+5.7%)
2023		$161,610 (+22.12%) Land $25,600 Building $136,010	$161,610 (+22.12%) Land $25,600 Building $136,010
2022	$2,280.00 (-1.08%) Homeowner's exemption	$132,340 Land $25,600 Building $106,740
2021	$2,305.00		$132,340 Land $25,600 Building $106,740

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 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

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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