1325 Prospect Blvd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1325 Prospect Blvd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,522 sqft · built 1951
Lot Size	0.397 acres (17,300 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,068 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8813-04-333-026`

Property Details

APN / Parcel Number

Primary APN	`8813-04-333-026`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,522 sqft Living Area
1st Floor Area	1,522 sqft
Basement Area	1,522 sqft
Finished Basement	900 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Wood
Lot Area	17,300 sqft (0.397 acres)
Lot Dimensions	173 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	170 sqft
Patio Area	382 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1325 PROSPECT BLVD
City	WATERLOO
State	IA
Zip	50701-4935
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLMES ADDITION LOT 8
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	HOLMES ADDITION
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2003
Census Tract	1302

Owner

1325 Prospect Blvd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1325 PROSPECT BLVD, WATERLOO, IA 50701-4935
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

Assessor's Deed Record

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

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1325 PROSPECT BLVD, WATERLOO, IA 50701-4935
Transaction Type	Mortgage
Record Updated	Dec 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300008149
Date	Nov 22, 2022
Instrument	202300008149

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	JOHNSTON, IA 50131

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1325 Prospect Blvd was $5,068 with a homeowner's exemption, up 7.8% 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	$5,068.00 (+7.83%) Homeowner's exemption	$282,780 Land $42,800 Building $239,980	$282,780 Land $42,800 Building $239,980
2024	$4,700.00
2023		$233,940 (+17.15%) Land $42,800 Building $191,140	$233,940 Land $42,800 Building $191,140
2022	$4,116.00 Homeowner's exemption	$199,700 Land $42,800 Building $156,900
2021			$199,700 Land $42,800 Building $156,900

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

Flood

FEMA maps place 1325 Prospect Blvd 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

Wildfire risk around 1325 Prospect Blvd 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	Direct burnable vegetation

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 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