3625 E Schrock Rd, Waterloo, IA 50701 Property Records

Black Hawk County property record for 3625 E Schrock Rd, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,624 sqft · built 2004
Lot Size	6.86 acres (298,821 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Aug 2023)
Tax Bill	$5,432 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8812-30-451-008`

Property Details

APN / Parcel Number

Primary APN	`8812-30-451-008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,624 sqft Living Area
1st Floor Area	1,624 sqft
Basement Area	1,624 sqft
Finished Basement	700 sqft
Unfinished Basement	1,624 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	298,821 sqft (6.86 acres)
Garage Type	Attached
Garage Area	837 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	38 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Poultry House	Poultry House

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3625 E SCHROCK RD
City	WATERLOO
State	IA
Zip	50701-9580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF SE SEC 30 T 88 R 12 DESC AS FOL: N 430 FT OF S 995 FT OF W 695.3 FT OF SAID SE 1/4
Legal Range	12W
Legal Township	88N
Legal Section	30
Jurisdiction	BLACK HAWK IA
Township / Civil Division	CEDAR
Census Block Group	1
Census Block	1020
Census Tract	2902

Owner

Source: Black Hawk County records, as of May 27, 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	3625 E SCHROCK RD, WATERLOO, IA 50701-9580
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2023 · Amount on Record
Deed Sale	Aug 1, 2023 · Amount on Record
Prior Sale	Aug 1, 2022 · Amount on Record
Deed Document Number	20231815
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 1, 2022
Property Address	3625 E SCHROCK RD, WATERLOO, IA 50701-9580
Document Number	202300001815
Instrument Date	Jul 29, 2022
Instrument	202300001815
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$791.20
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	3625 E SCHROCK RD, WATERLOO, IA 50701-9580

Mortgage

Document Number	202300001816
Date	Aug 1, 2022
Instrument	202300001816

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7%
Index	1-Year CMT
Max Rate	11%

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,432.00 Homeowner's exemption	$442,330 (+6.52%) Land $112,000 Building $330,330	$442,330 (+6.52%) Land $112,000 Building $330,330
2024	$5,432.00 (+27.33%)
2023		$415,270 (+27.52%) Land $96,000 Building $319,270	$415,270 (+27.52%) Land $96,000 Building $319,270
2022	$4,266.00 Homeowner's exemption	$325,650 Land $80,000 Building $245,650
2021			$325,650 Land $80,000 Building $245,650

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	21 (1993–2016)
Claims Outside the SFHA	3 of 21
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 6 claims Severe Storms, Flooding, And Tornadoes, Jul 2010 · 2 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 12 claims

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	Low lower than 95% of the US · lower than 68% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Alpine Communications Fiber	500 / 500
Verizon Fixed Wireless	300 / 20

May also be available: GigFire.

Nearby Properties on E Schrock Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures