1035 Ackermant St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 1035 Ackermant St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,296 sqft · built 2004
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (May 2024)
Tax Bill	$1,686 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`8913-14-453-005`

Property Details

APN / Parcel Number

Primary APN	`8913-14-453-005`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Basement Area	1,296 sqft
Finished Basement	600 sqft
Unfinished Basement	1,296 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Mobile Home
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Deck Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1035 ACKERMANT ST
City	WATERLOO
State	IA
Zip	50703-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACKERMANT ADDITION S 40 FT LOT 5 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	14
Legal Subdivision	ACKERMANT ADDITION
Legal Block	2
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1004
Census Tract	1701

Owner

1035 Ackermant St is owned and occupied by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1035 ACKERMANT ST, WATERLOO, IA 50703-2301
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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 9, 2024	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Sep 25, 2017	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2024 · Amount on File
Deed Sale	May 9, 2024 · Amount on File
Deed Document Number	202414064
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 9, 2024
Property Address	1035 ACKERMANT ST, WATERLOO, IA 50703-2301
Document Number	202400014064
Instrument Date	May 2, 2024
Instrument	202400014064
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1035 ACKERMANT ST, WATERLOO, IA 50703-2301

Mortgage

Document Number	0202414065
Date	May 9, 2024
Instrument	2024-14065

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	12.2%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 25, 2017
Property Address	1035 ACKERMANT ST, WATERLOO, IA 50703-2301
Document Number	201800005384
Instrument Date	Sep 20, 2017
Instrument	2018-00005384
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
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	1035 ACKERMANT ST, WATERLOO, IA 50703-2301

Mortgage

Document Number	201800005385
Date	Sep 25, 2017
Instrument	2018-00005385

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1035 Ackermant St was $1,686, up 12.7% 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	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,686.00 (+12.7%)	$82,590 Land $4,940 Building $77,650	$82,590 Land $4,940 Building $77,650
2024	$1,496.00
2023		$68,920 (+26.46%) Land $4,940 Building $63,980	$68,920 Land $4,940 Building $63,980
2022	$1,002.00 Homeowner's exemption	$54,500 Land $4,940 Building $49,560
2021			$54,500 Land $4,940 Building $49,560

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

Flood

FEMA maps place 1035 Ackermant St in Zone X, where a levee reduces flood risk, though there have been 2 flood claims nearby since 1980.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1980–1981)
Most Recent Claim	Apr 1981 · tidal / storm surge

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

The area around 1035 Ackermant St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	WATERLOO WATER WORKS serves 69,504 people · EPA ID IA0790074
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (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 568 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Nextlink, T-Mobile.

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