176 Hillcrest Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 176 Hillcrest Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,966 sqft · built 1957
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$173,000 (Sep 2006)
Tax Bill	$6,678 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-34-455-008`

Property Details

APN / Parcel Number

Primary APN	`8913-34-455-008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,966 sqft Living Area
1st Floor Area	1,966 sqft
Basement Area	1,966 sqft
Finished Basement	650 sqft
Unfinished Basement	1,966 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	875 sqft
Parking Spaces	3 Parking Spaces
Patio Area	154 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	176 HILLCREST RD
City	WATERLOO
State	IA
Zip	50701-4206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADDITION TO KENYONS ADD LOT 69
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	FIRST ADDITION TO KENYONS ADD
Legal Lot Number	69
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	5
Census Block	5018
Census Tract	1400

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	176 HILLCREST RD, WATERLOO, IA 50701-4206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Oct 5, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2006 · Amount on Record
Deed Sale	Sep 5, 2006 · Amount on Record
Deed Document Number	20062007005535
Prior Transfer Date	Sep 1, 2006
Prior Transfer Doc	2007005535
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	176 HILLCREST RD, WATERLOO, IA 50701-4206
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100000585
Date	Jul 9, 2020
Instrument	202100000585

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	176 HILLCREST RD, WATERLOO, IA 50701-4206
Transaction Type	Mortgage
Record Updated	Oct 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900005738
Date	Oct 5, 2018
Instrument	201900005738

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	111 Months
Due	Jan 1, 2028

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	$6,678.00 (+21.64%) Homeowner's exemption	$338,130 (+28.44%) Land $40,800 Building $297,330	$338,130 (+28.44%) Land $40,800 Building $297,330
2024	$5,490.00 (+9.84%)
2023		$263,250 (+11.35%) Land $40,800 Building $222,450	$263,250 (+11.35%) Land $40,800 Building $222,450
2022	$4,998.00 Homeowner's exemption	$236,410 Land $40,800 Building $195,610
2021			$236,410 Land $40,800 Building $195,610

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	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · 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

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 359 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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