2851 E 4th St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 2851 E 4th St, Waterloo, IA 50703 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1960
Square Footage	1,096 sqft Living Area
Lot Size	5,650 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$100,000 (2023)
Tax Bill	$1,602.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`8913-13-104-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Building Area	1,096 sqft Living Area
1st Floor Area	1,096 sqft 1st Floor
Basement Area	1,096 sqft Basement
Finished Basement	400 sqft Finished
Unfinished Basement	1,096 sqft Unfinished
Stories	1 Story
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,650 sqft (0.13 acres)
Lot Dimensions	113 ft deep x 50 ft wide
Parking Spaces	1 Parking Space
Garage Type	Attached
Garage Area	264 sqft Garage

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2851 E 4TH ST
City	WATERLOO
State	IA
Zip	50703-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH WATERLOO PLACE LOT 23 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	13
Legal Subdivision	NORTH WATERLOO PLACE
Legal Block	4
Legal Lot Number	23
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2024
Census Tract	1702

Owner

Source: Black Hawk County records · APN 8913-13-104-003

Assessment roll updated October 17, 2025 · Last verified August 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 File
Mailing Address	2851 E 4TH ST, WATERLOO, IA 50703-2012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 20, 2023 · Amount on Record
Deed Sale	Dec 20, 2023 · Amount on Record
Prior Sale	Dec 20, 2022 · Amount on Record
Deed Document Number	20239336
Prior Transfer Date	Dec 19, 2023
Prior Transfer Doc	0000009335
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 20, 2022
Property Address	2851 E 4TH ST, WATERLOO, IA 50703-2012
Document Number	202300009336
Instrument Date	Dec 14, 2022
Instrument	202300009336
Transaction Type	Transfer
Record Updated	Jan 03, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$159.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2851 E 4TH ST, WATERLOO, IA 50703-2012

Mortgage

Document Number	202300009337
Date	Dec 20, 2022
Instrument	202300009337

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 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	$1,602.00 Homeowner's exemption	$109,250 (+29.9%) Land $8,840 Building $100,410	$109,250 (+29.9%) Land $8,840 Building $100,410
2024	$1,602.00 (+5.95%)
2023		$84,100 (+8.21%) Land $8,840 Building $75,260	$84,100 (+8.21%) Land $8,840 Building $75,260
2022	$1,512.00 Homeowner's exemption	$77,720 Land $8,840 Building $68,880
2021			$77,720 Land $8,840 Building $68,880

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 5% of the US · above 35% of Iowa
Wildfire Likelihood	About 1 in 7,143 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.