1644 Ackermant St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 1644 Ackermant St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 936 sqft · built 1960
Lot Size	0.205 acres (8,928 sqft)
Owner	Individual Name on Record
Tax Bill	$1,952 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Sep 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-14-203-016`

Property Details

APN / Parcel Number

Primary APN	`8913-14-203-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,928 sqft (0.205 acres)
Lot Dimensions	144 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1644 ACKERMANT ST
City	WATERLOO
State	IA
Zip	50703-1814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRUGGEMANS ADDITION LOT 13
Legal Range	13W
Legal Township	89N
Legal Section	14
Legal Subdivision	BRUGGEMANS ADDITION
Legal Lot Number	13
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1027
Census Tract	1702

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1644 ACKERMANT ST, WATERLOO, IA 50703-1814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Sep 25, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Aug 7, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1644 ACKERMANT ST, WATERLOO, IA 50703-1814
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 ACKERMANT ST, WATERLOO, IA 50703-1814

Mortgage

Document Number	0202513178
Date	Sep 9, 2025
Instrument	2025-13178

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 8, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1644 ACKERMANT ST, WATERLOO, IA 50703-1814
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 ACKERMANT ST, WATERLOO, IA 50703-1814

Mortgage

Document Number	202400004174
Date	Sep 25, 2023
Instrument	202400004174

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1644 ACKERMANT ST, WATERLOO, IA 50703-1814
Transaction Type	Mortgage
Record Updated	Sep 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000002415
Date	Aug 7, 2019
Instrument	202000002415

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Sep 1, 2024

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	$1,952.00 (-6.6%) Homeowner's exemption	$106,490 (-0.11%) Land $12,520 Building $93,970	$106,490 (-0.11%) Land $12,520 Building $93,970
2024	$2,090.00 (+41.6%)
2023		$106,610 (+40.06%) Land $12,520 Building $94,090	$106,610 (+40.06%) Land $12,520 Building $94,090
2022	$1,476.00 Homeowner's exemption	$76,120 Land $12,520 Building $63,600
2021			$76,120 Land $12,520 Building $63,600

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 · 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	1 in force
Nearby Flood Claims	2 (1999–2008)
Most Recent Claim	Apr 2008 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

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

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