Black Hawk County property record for 1041 Colby Rd, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,218 sqft · built 1999 |
| Lot Size | 0.299 acres (13,013 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $8,390 (2025) |
| Deeds & Mortgages | Jun 2021 Second Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-04-478-011 |
| Primary APN | 8813-04-478-011 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,218 sqft Living Area |
| 1st Floor Area | 2,218 sqft |
| Basement Area | 2,218 sqft |
| Finished Basement | 1,300 sqft |
| Unfinished Basement | 2,218 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,013 sqft (0.299 acres) |
| Lot Dimensions | 90 ft deep x 143 ft wide |
| Garage Type | Attached |
| Garage Area | 888 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | Deck Area |
| Patio Area | 64 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1041 COLBY RD |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-5219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRANGERS SECOND ADDITION LOT 136 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 04 |
| Legal Subdivision | GRANGERS SECOND ADDITION |
| Legal Lot Number | 136 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 1302 |
1041 Colby Rd is owned and occupied by an individual who acquired it in August 2013.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1041 COLBY RD, WATERLOO, IA 50701-5219 |
| 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.
| Date | Document |
|---|---|
| Jun 4, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU |
| Oct 4, 2019 | Deed of Trust, Mortgage · Balloon Mortgage GREENSTATE CREDIT UNION |
| Jul 5, 2019 | Deed of Trust, Mortgage · Balloon Mortgage VERIDIAN CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 29, 2013 |
| Transfer Doc | 2014004927 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1041 COLBY RD, WATERLOO, IA 50701-5219 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100025619 |
|---|---|
| Date | Jun 4, 2021 |
| Instrument | 202100025619 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 15, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1041 COLBY RD, WATERLOO, IA 50701-5219 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202000006362 |
|---|---|
| Date | Oct 4, 2019 |
| Instrument | 202000006362 |
| Name | GREENSTATE CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1041 COLBY RD, WATERLOO, IA 50701-5219 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2019 |
| Name | Verified Name |
|---|
| Document Number | 202000000372 |
|---|---|
| Date | Jul 5, 2019 |
| Instrument | 202000000372 |
| Name | VERIDIAN CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 1041 Colby Rd was $8,390 with a homeowner's exemption, up 8.8% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,390.00 (+8.76%) Homeowner's exemption | $436,590 Land $36,040 Building $400,550 | $436,590 Land $36,040 Building $400,550 |
| 2024 | $7,714.00 | ||
| 2023 | $379,560 (+23.47%) Land $36,040 Building $343,520 | $379,560 Land $36,040 Building $343,520 | |
| 2022 | $6,556.00 Homeowner's exemption | $307,410 Land $36,040 Building $271,370 | |
| 2021 | $307,410 Land $36,040 Building $271,370 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1041 Colby Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2010–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2018 · other causes |
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 risk around 1041 Colby Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 290 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Fiber Fiber | 10,000 / 10,000 |
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures