101 Pirate St, Hudson, IA 50643 Property Records

Black Hawk County property record for 101 Pirate St, Hudson, IA 50643

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,564 sqft · built 2021
Lot Size	0.393 acres (17,110 sqft)
Owner	Individual Name on File
Tax Bill	$6,648 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Dec 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8814-26-454-009`

Property Details

APN / Parcel Number

Primary APN	`8814-26-454-009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,564 sqft Living Area
Basement Area	1,564 sqft
Finished Basement	1,025 sqft
Unfinished Basement	1,564 sqft
Flooring	Vinyl Sheet/Linoleum
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,110 sqft (0.393 acres)
Lot Dimensions	145 ft deep x 118 ft wide
Garage Type	Mixed
Garage Area	1,560 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Deck Area	190 sqft
Patio Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	101 PIRATE ST
City	HUDSON
State	IA
Zip	50643-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UPPER RIDGES SECOND ADDITION LOT 7
Legal Range	14W
Legal Township	88N
Legal Section	26
Legal Subdivision	UPPER RIDGES SECOND ADDITION
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	BLACK HAWK
Census Block Group	2
Census Block	2014
Census Tract	3002

Owner

101 Pirate St is owned and occupied by an individual who acquired it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	101 PIRATE ST, HUDSON, IA 50643-2226
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
Feb 14, 2023	Deed of Trust, Mortgage · Line of Credit LINCOLN SAVINGS BANK
Dec 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN SAVINGS BANK
Jan 27, 2022	Deed of Trust, Mortgage · Construction Mortgage LINCOLN SAVINGS BANK
Oct 19, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2021
Deed Sale	Nov 6, 2021
Prior Sale	Nov 6, 2020
Deed Document Number	20219968
Prior Transfer Date	Oct 19, 2021
Prior Transfer Doc	0000008488
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	101 PIRATE ST, HUDSON, IA 50643-2226
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300011373
Date	Feb 14, 2023
Instrument	202300011373

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	REINBECK, IA 50669

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 27, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	101 PIRATE ST, HUDSON, IA 50643-2226
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300009097
Date	Dec 15, 2022
Instrument	202300009097

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.98%
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.98%
Index	1-Year T-Bill
Max Rate	10.9%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	101 PIRATE ST, HUDSON, IA 50643-2226
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200015346
Date	Jan 27, 2022
Instrument	202200015346

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	REINBECK, IA 50669

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 25, 2042

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 19, 2021
Property Address	101 PIRATE ST, HUDSON, IA 50643-2226
Document Number	202200008488
Instrument Date	Oct 19, 2021
Instrument	202200008488
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 PIRATE ST, HUDSON, IA 50643-2226

Tax Assessment & Valuation

The 2025 property tax bill for 101 Pirate St was $6,648 with a homeowner's exemption, up 8.2% 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	Hudson City
Unified School District	Hudson Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,648.00 (+8.17%) Homeowner's exemption	$407,300 Land $64,360 Building $342,940	$407,300 Land $64,360 Building $342,940
2024	$6,146.00
2023		$335,710 (+89.18%) Land $64,360 Building $271,350	$335,710 Land $64,360 Building $271,350
2022	$3,324.00	$177,460 Land $64,360 Building $113,100
2021			$177,460 Land $64,360 Building $113,100

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

Flood

FEMA maps place 101 Pirate St 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

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 101 Pirate St 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	HUDSON WATER SUPPLY serves 2,546 people · EPA ID IA0737062
Water Source	Purchased groundwater from WATERLOO WATER WORKS
Last State Inspection	Jun 2024
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
STS Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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