Black Hawk County property record for 320 W 4th St, Waterloo, IA 50701
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 11,607 sqft · built 1892 |
| Lot Size | 0.124 acres (5,400 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $13,080 (2025) |
| Flood Zone | Zone X (reduced by levee) |
| APN | 8913-26-232-011 |
| Primary APN | 8913-26-232-011 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 11,607 sqft Gross Area |
| 1st Floor Area | 5,736 sqft |
| Basement Area | 5,055 sqft |
| Unfinished Basement | 5,055 sqft |
| Flooring | Wood |
| Interior Walls | Paneling |
| Year Built | Built 1892 |
|---|---|
| Effective Year Built | Effective 1892 |
| Exterior Material | Brick |
| Construction Type | Concrete Block |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Material | Urethane Foam |
| Lot Area | 5,400 sqft (0.124 acres) |
| Lot Dimensions | 90 ft deep x 60 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 320 W 4TH ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-5504 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | ORIGINAL PLAT WATERLOO WEST NE 60 FT SE 30 FT LOT 9 BLK 16 NE 60 FT LOT 10 BLK 16 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 26 |
| Legal Subdivision | ORIGINAL PLAT WATERLOO WEST |
| Legal Block | 16 |
| Legal Lot Number | 9,10 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2070 |
| Census Tract | 100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Waterloo West Commercial Historic District listed 2014 · 22 contributing resources · NRIS 14000664 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 1355, WATERLOO, IA 50704-1355 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,080.00 (-2.23%) | $392,930 (-0.77%) Land $32,400 Building $360,530 | $392,930 (-0.77%) Land $32,400 Building $360,530 |
| 2024 | $13,378.00 (+113.64%) | ||
| 2023 | $395,970 (+70.63%) Land $32,400 Building $363,570 | $395,970 (+70.63%) Land $32,400 Building $363,570 | |
| 2022 | $6,262.00 | $232,070 Land $29,880 Building $202,190 | |
| 2021 | $232,070 Land $29,880 Building $202,190 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 reduced by levee · depends on levee performance |
|---|---|
| Nearest Special Flood Hazard Area | Zone AO, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 2 (1978–1991) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 1991 · river or lake flooding |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 385 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 |
May also be available: AT&T, GigFire, Nextlink, T-Mobile, Verizon.
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