Black Hawk County property record for 3541 Hammond Ave, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,334 sqft · built 1959 |
| Lot Size | 0.24 acres (10,440 sqft) |
| Owner | Individual Name on File |
| Last Sale | $127,000 (May 2026) |
| Tax Bill | $3,860 (2025) |
| Deeds & Mortgages | May 2026 Foreclosure Jan 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8813-02-302-001 |
| Primary APN | 8813-02-302-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,334 sqft Living Area |
| 1st Floor Area | 1,078 sqft |
| Basement Area | 1,078 sqft |
| Finished Basement | 400 sqft |
| Unfinished Basement | 1,078 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,440 sqft (0.24 acres) |
| Lot Dimensions | 116 ft deep x 90 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 160 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3541 HAMMOND AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-5409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FORTUNE ADDITION LOT 1 |
| Legal Range | 13W |
| Legal Township | 88N |
| Legal Section | 02 |
| Legal Subdivision | FORTUNE ADDITION |
| Legal Lot Number | 1 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 900 |
3541 Hammond Ave is owned and occupied by an individual who bought it in May 2026.
Source: Black Hawk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1462 S HILL DR, WATERLOO, IA 50701-4965 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 15, 2026 | Sheriff's Deed, Foreclosure NONE LISTED ON DOCUMENT |
| Jan 16, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2026 · Amount on File |
| Deed Sale | May 15, 2026 · Amount on File |
| Prior Sale | Nov 10, 2014 · Amount on File |
| Deed Document Number | 20267094 |
| Prior Transfer Date | Feb 20, 2023 |
| Prior Transfer Doc | 0000011810 |
| Record Updated | Oct 29, 2026 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 15, 2026 |
| Property Address | 3541 HAMMOND AVE, WATERLOO, IA 50702-5409 |
| Document Number | 0000007094 |
| Instrument Date | May 13, 2026 |
| Instrument | 20267094 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $20,442.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1462 S HILL DR, WATERLOO, IA 50701-4965 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 3541 HAMMOND AVE, WATERLOO, IA 50702-5409 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3541 HAMMOND AVE, WATERLOO, IA 50702-5409 |
| Document Number | 202400008979 |
|---|---|
| Date | Jan 16, 2024 |
| Instrument | 202400008979 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD, BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 319 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 3541 Hammond Ave was $3,860 with a homeowner's exemption, down 5% from the year before.
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 | $3,860.00 (-5.02%) Homeowner's exemption | $200,030 Land $29,610 Building $170,420 | $200,030 Land $29,610 Building $170,420 |
| 2024 | $4,064.00 | ||
| 2023 | $197,590 (+31.3%) Land $29,610 Building $167,980 | $197,590 Land $29,610 Building $167,980 | |
| 2022 | $3,110.00 Homeowner's exemption | $150,490 Land $29,610 Building $120,880 | |
| 2021 | $150,490 Land $29,610 Building $120,880 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3541 Hammond Ave in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.
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 | 7 (1979–2010) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Jul 2010 · Severe Storms, Flooding, And Tornadoes |
| Claims by Event |
|
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.
The area around 3541 Hammond Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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 264 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 · Fiber in parts of the area | 1,000 / 50 |
| GigFire Fixed Wireless | 150 / 130 |
May also be available: CenturyLink, Nextlink, Verizon.
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