3425 W 4th St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3425 W 4th St, Waterloo, IA 50701

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 1,176 sqft · built 1970
Lot Size	0.285 acres (12,400 sqft)
Owner	Company Name on File
Tax Bill	$4,376 (2025)
Deeds & Mortgages	Apr 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`8913-33-477-001`

Property Details

APN / Parcel Number

Primary APN	`8913-33-477-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,176 sqft Total Area
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Finished Basement	750 sqft
Unfinished Basement	1,176 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Duplex Single
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,400 sqft (0.285 acres)
Lot Dimensions	155 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	304 sqft
Patio Area	608 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3425 W 4TH ST
City	WATERLOO
State	IA
Zip	50701-4413
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	UNPLATTED WLOO WEST W 80 FT EXC S 158 FT OF THAT PARCEL DESC AS FOL COM AT SW COR SE SE SEC 33 T 89 R 13 TH E 170 FT TH N TO
Legal Range	13W
Legal Township	89N
Legal Section	33
Legal Subdivision	UNPLATTED WLOO WEST
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1018
Census Tract	1501

Owner

Source: Black Hawk County records · APN 8913-33-477-001

Assessment roll updated October 17, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	304 HACKBERRY LN, CONRAD, IA 50621-2004
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	3425 W 4TH ST, WATERLOO, IA 50701-4413
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900015030
Date	Apr 09, 2019
Instrument	201900015030

Lender

Name	FIRST SECURITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 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	$4,376.00	$227,270 (+12.66%) Land $24,720 Building $202,550	$227,270 (+12.66%) Land $24,720 Building $202,550
2024	$4,376.00 (+18.59%)
2023		$201,730 (+20.06%) Land $24,720 Building $177,010	$201,730 (+20.06%) Land $24,720 Building $177,010
2022	$3,690.00	$168,020 Land $24,720 Building $143,300
2021			$168,020 Land $24,720 Building $143,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	15 (1979–2020)
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms & Flooding, Jul 1993 · 4 claims

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Waterloo Telecommunications Utility Fiber	10,000 / 10,000
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
LTD Broadband Fixed Wireless	150 / 130

May also be available: AMG Technology Investment Group.

Based on FCC filings for 268 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WATERLOO WATER WORKS serves 69,504 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.