1228 E 4th St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 1228 E 4th St, Waterloo, IA 50703 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,142 sqft · built 1914
Lot Size	0.116 acres (5,050 sqft)
Owner	Individual Name on File
Last Sale	$13,000 (Mar 2015)
Tax Bill	$1,077 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-24-176-018`

Property Details

APN / Parcel Number

Primary APN	`8913-24-176-018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,142 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,050 sqft (0.116 acres)
Lot Dimensions	101 ft deep x 50 ft wide

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Shed	1 Shed
Shed Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1228 E 4TH ST
City	WATERLOO
State	IA
Zip	50703-3002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMMOND & HOPKINS ADDITION LOT 9 BLK 1 LOT 10 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	HAMMOND & HOPKINS ADDITION
Legal Block	1
Legal Lot Number	9,10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1072
Census Tract	1800

Owner

Source: Black Hawk County records · APN 8913-24-176-018

Assessment roll updated October 17, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1222 W 7TH ST, WATERLOO, IA 50702-3004
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 30, 2015 · Amount on Record
Deed Sale	Mar 30, 2015 · Amount on Record
Deed Document Number	201515301
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1228 E 4TH ST, WATERLOO, IA 50703-3002
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1228 E 4TH ST, WATERLOO, IA 50703-3002

Mortgage

Document Number	202100007538
Date	Oct 08, 2020
Instrument	202100007538

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Oct 20, 2025

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,077.00 (-0.83%)	$50,130 (+18.59%) Land $5,560 Building $44,570	$50,130 (+18.59%) Land $5,560 Building $44,570
2024	$1,086.00 (+52.53%)
2023		$42,270 (+30.38%) Land $5,560 Building $36,710	$42,270 (+30.38%) Land $5,560 Building $36,710
2022	$712.00 Homeowner's exemption	$32,420 Land $5,560 Building $26,860
2021			$32,420 Land $5,560 Building $26,860

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130018001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 279 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, AMG Technology Investment Group, Mediacom Communications, LTD Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.