1127 Prospect Blvd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1127 Prospect Blvd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,944 sqft · built 1950
Lot Size	0.397 acres (17,300 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,784 (2025)
Deeds & Mortgages	May 2022 Second Mortgage Feb 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8813-04-181-016`

Property Details

APN / Parcel Number

Primary APN	`8813-04-181-016`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,944 sqft Living Area
1st Floor Area	1,190 sqft
Basement Area	595 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,300 sqft (0.397 acres)
Lot Dimensions	173 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Deck Area	237 sqft
Patio Area	438 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1127 PROSPECT BLVD
City	WATERLOO
State	IA
Zip	50701-4931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLTOP PLACE ADDITION LOT 3
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	HILLTOP PLACE ADDITION
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1014
Census Tract	1302

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	1127 PROSPECT BLVD, WATERLOO, IA 50701-4931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEERE EMPLOYEES CU
Feb 14, 2022	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Nov 3, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Aug 18, 2017	Deed of Trust, Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1127 PROSPECT BLVD, WATERLOO, IA 50701-4931
Transaction Type	Mortgage
Record Updated	May 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200021154
Date	May 3, 2022
Instrument	202200021154

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 25, 2037

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1127 PROSPECT BLVD, WATERLOO, IA 50701-4931
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200016455
Date	Feb 14, 2022
Instrument	202200016455

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Mar 25, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1127 PROSPECT BLVD, WATERLOO, IA 50701-4931
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1127 PROSPECT BLVD, WATERLOO, IA 50701-4931

Mortgage

Document Number	202100009607
Date	Nov 3, 2020
Instrument	202100009607

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 15, 2035

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1127 PROSPECT BLVD, WATERLOO, IA 50701-4931
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1127 PROSPECT BLVD, WATERLOO, IA 50701-4931

Mortgage

Document Number	202100006968
Date	Oct 1, 2020
Instrument	202100006968

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2040

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1127 PROSPECT BLVD, WATERLOO, IA 50701-4931
Transaction Type	Mortgage
Record Updated	Sep 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2018-00003041
Date	Aug 18, 2017
Instrument	2018-00003041

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	Waterloo, IA 50704

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 25, 2032

Tax Assessment & Valuation

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	$7,784.00 (+8.84%) Homeowner's exemption	$392,340 (+15.74%) Land $42,800 Building $349,540	$392,340 (+15.74%) Land $42,800 Building $349,540
2024	$7,152.00 (+13.81%)
2023		$338,990 (+18.49%) Land $42,800 Building $296,190	$338,990 (+18.49%) Land $42,800 Building $296,190
2022	$6,284.00	$286,100 Land $42,800 Building $243,300
2021			$286,100 Land $42,800 Building $243,300

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

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

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 352 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

May also be available: Nextlink, T-Mobile.

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