10550 Hess Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 10550 Hess Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,456 sqft · built 2002
Lot Size	3.07 acres (133,729 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Mar 2023)
Tax Bill	$4,870 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Jul 2005 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8713-11-476-003`

Property Details

APN / Parcel Number

Primary APN	`8713-11-476-003`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Finished Basement	720 sqft
Unfinished Basement	1,456 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	133,729 sqft (3.07 acres)
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	312 sqft
Patio Area	720 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	10550 HESS RD
City	WATERLOO
State	IA
Zip	50701-9575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE N 230 FT OF THE E 582.2 FT OF THE SE SE SEC 11 T 87 R 13
Legal Range	13W
Legal Township	87N
Legal Section	11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	EAGLE
Census Block Group	3
Census Block	3027
Census Tract	3002

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	10550 HESS RD, WATERLOO, IA 50701-9575
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Line of Credit NORTHEAST SECURITY BANK
Jul 18, 2005	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CALUSA INVESTMENTS LLC
Jul 18, 2005	Deed of Trust, Mortgage · ARM CALUSA INVESTMENTS LLC
May 9, 2007	Deed of Trust, Mortgage · Conventional Mortgage HSBC MORTGAGE SERVICES INC
Mar 31, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jul 30, 2014	Special Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2023 · Amount on Record
Deed Sale	Mar 31, 2023 · Amount on Record
Prior Sale	Jul 30, 2014 · Amount on Record
Deed Document Number	202313134
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	10550 HESS RD, WATERLOO, IA 50701-9575
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100027543
Date	Jun 28, 2021
Instrument	202100027543

Lender

Name	NORTHEAST SECURITY BANK
Type	Bank
Address	DYSART, IA 52224

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2051

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	10550 HESS RD, WATERLOO, IA 50701-9575
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006001467
Date	Jul 18, 2005
Instrument	2006001467

Lender

Name	CALUSA INVESTMENTS LLC
Address	HERNDON, VA 20171

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 13, 2025

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	10550 HESS RD, WATERLOO, IA 50701-9575
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006001466
Date	Jul 18, 2005
Instrument	2006001466

Lender

Name	CALUSA INVESTMENTS LLC
Address	HERNDON, VA 20171

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	7.99%
Type Change Date	Aug 1, 2007
Change Frequency	6 Months
Min Rate At Change	7.99%
Max Rate At Change	9.99%
Index	6-Month LIBOR
Max Rate	13.9%

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	10550 HESS RD, WATERLOO, IA 50701-9575
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007023654
Date	May 9, 2007
Instrument	2007023654

Lender

Name	HSBC MORTGAGE SERVICES INC
Type	Mortgage Company
Address	BRANDON, FL 33510

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2037

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 31, 2023
Property Address	10550 HESS RD, WATERLOO, IA 50701-9575
Document Number	202300013134
Instrument Date	Mar 30, 2023
Instrument	202300013134
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$591.20
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	10550 HESS RD, WATERLOO, IA 50701-9575

Mortgage

Document Number	202300013135
Date	Mar 31, 2023
Instrument	202300013135

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year T-Bill
Max Rate	12.5%

July 2014: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 30, 2014
Property Address	10550 HESS RD, WATERLOO, IA 50701-9575
Document Number	201500001790
Instrument Date	Jun 11, 2014
Instrument	201500001790
Transaction Type	Transfer
Record Updated	Apr 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.20
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	10550 HESS RD, WATERLOO, IA 50701-9575

Mortgage

Document Number	201500001791
Date	Jul 30, 2014
Instrument	201500001791

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2044

Mortgage

Document Number	201500001792
Date	Jul 30, 2014
Instrument	201500001792

Lender

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

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 5, 2029

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,870.00 (+20.9%) Homeowner's exemption	$397,490 (+29.04%) Land $84,000 Building $313,490	$397,490 (+29.04%) Land $84,000 Building $313,490
2024	$4,028.00 (+16.35%)
2023		$308,040 (+15.7%) Land $72,000 Building $236,040	$308,040 (+15.7%) Land $72,000 Building $236,040
2022	$3,462.00 Homeowner's exemption	$266,230 Land $60,000 Building $206,230
2021			$266,230 Land $60,000 Building $206,230

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (2008–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Alpine Communications Fiber	500 / 500
GigFire Fixed Wireless	150 / 130

Cell Coverage

4G LTE (outdoors only), no 5G reported

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