1108 W 4th St, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1108 W 4th St, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,550 sqft · built 1926
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Aug 2016)
Tax Bill	$1,300 (2025)
Deeds & Mortgages	Apr 2022 Mortgage May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-26-330-009`

Property Details

APN / Parcel Number

Primary APN	`8913-26-330-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,550 sqft Living Area
1st Floor Area	1,240 sqft
Attic	Attic
Attic Area	310 sqft
Basement Area	1,240 sqft
Finished Basement	500 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	170 sqft
Patio Area	264 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1108 W 4TH ST
City	WATERLOO
State	IA
Zip	50702-2841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITNEY AND SEDGWICKS ADDITION SW 50 FT LOT 16 BLK 6
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	WHITNEY AND SEDGWICKS ADDITION
Legal Block	6
Legal Lot Number	16
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2028
Census Tract	300

Owner

1108 W 4th St is owned and occupied by two individuals who bought it in August 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	1108 W 4TH ST, WATERLOO, IA 50702-2841
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
Apr 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage COLLINS COMMUNITY CU
May 23, 2022	Deed of Trust, Mortgage · Line of Credit COLLINS COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2016 · Amount on File
Deed Sale	Aug 2, 2016 · Amount on File
Deed Document Number	20162017-00002182
Prior Transfer Date	May 25, 2006
Prior Transfer Doc	2006029467
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1108 W 4TH ST, WATERLOO, IA 50702-2841
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200020132
Date	Apr 15, 2022
Instrument	202200020132

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1108 W 4TH ST, WATERLOO, IA 50702-2841
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200022795
Date	May 23, 2022
Instrument	202200022795

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 22, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1108 W 4th St was $1,300 with a homeowner's exemption, down 15.6% 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	$1,300.00 (-15.64%) Homeowner's exemption	$83,560 Land $7,500 Building $76,060	$83,560 Land $7,500 Building $76,060
2024	$1,541.00
2023		$73,390 (+36.69%) Land $7,500 Building $65,890	$73,390 Land $7,500 Building $65,890
2022	$910.00 Homeowner's exemption	$53,690 Land $7,500 Building $46,190
2021			$53,690 Land $7,500 Building $46,190

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

Flood

FEMA maps place 1108 W 4th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1108 W 4th 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 734 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

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

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