1428 Prospect Blvd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 1428 Prospect Blvd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,366 sqft · built 1977
Lot Size	0.305 acres (13,266 sqft)
Owner	2 Individual Names on File
Last Sale	$223,000 (Aug 2016)
Tax Bill	$6,916 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8813-04-332-013`

Property Details

APN / Parcel Number

Primary APN	`8813-04-332-013`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,366 sqft Living Area
1st Floor Area	996 sqft
Basement Area	996 sqft
Finished Basement	300 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,266 sqft (0.305 acres)
Lot Dimensions	157 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1428 PROSPECT BLVD
City	WATERLOO
State	IA
Zip	50701-4910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRAIRIE MEADOW WEST THIRD ADD LOT 48
Legal Range	13W
Legal Township	88N
Legal Section	04
Legal Subdivision	PRAIRIE MEADOW WEST THIRD ADD
Legal Lot Number	48
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2004
Census Tract	1302

Owner

1428 Prospect Blvd 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	1428 PROSPECT BLVD, WATERLOO, IA 50701-4910
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
Last Sale	Aug 9, 2016 · Amount on File
Deed Sale	Aug 9, 2016 · Amount on File
Prior Sale	Jun 24, 2013 · Amount on File
Deed Document Number	20162017-00002647
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1428 PROSPECT BLVD, WATERLOO, IA 50701-4910
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1428 PROSPECT BLVD, WATERLOO, IA 50701-4910

Mortgage

Document Number	202100009051
Date	Oct 27, 2020
Instrument	202100009051

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1428 Prospect Blvd was $6,916 with a homeowner's exemption, up 9.2% 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	$6,916.00 (+9.19%) Homeowner's exemption	$349,790 Land $34,610 Building $315,180	$349,790 Land $34,610 Building $315,180
2024	$6,334.00
2023		$302,230 (+22.16%) Land $34,610 Building $267,620	$302,230 Land $34,610 Building $267,620
2022	$5,434.00	$247,410 Land $34,610 Building $212,800
2021			$247,410 Land $34,610 Building $212,800

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

Flood

FEMA maps place 1428 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 1428 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