401 Dearborn Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 401 Dearborn Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 660 sqft · built 1949
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$76,000 (Jan 2026)
Tax Bill	$1,172 (2025)
Deeds & Mortgages	Jun 2019 Refinance Mar 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8912-30-327-006`

Property Details

APN / Parcel Number

Primary APN	`8912-30-327-006`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	660 sqft Living Area
1st Floor Area	660 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	40 ft deep x 125 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Patio Area	208 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	401 DEARBORN AVE
City	WATERLOO
State	IA
Zip	50703-5231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLOWERS ADDITION LOT 12 BLK 1
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	BLOWERS ADDITION
Legal Block	1
Legal Lot Number	12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2024
Census Tract	800

Owner

Source: Black Hawk County records, as of September 1, 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 Record
Mailing Address	923 E SEERLEY BLVD, CEDAR FALLS, IA 50613-5203
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CEDAR FALLS COMMUNITY CREDIT UNION
Mar 6, 2025	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CU
Jan 30, 2026	Warranty Deed, Transfer · Line of Credit CEDAR FALLS COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2026 · Amount on Record
Deed Sale	Jan 30, 2026 · Amount on Record
Prior Sale	Jun 10, 2019 · Amount on Record
Deed Document Number	20261307
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	401 DEARBORN AVE, WATERLOO, IA 50703-5231
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201900018609
Date	Jun 10, 2019
Instrument	201900018609

Lender

Name	CEDAR FALLS COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Jul 1, 2024

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	401 DEARBORN AVE, WATERLOO, IA 50703-5231
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202502971
Date	Mar 6, 2025
Instrument	2025-02971

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	123 W 4TH ST, CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	0 Months
Due	Mar 20, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 30, 2026
Property Address	401 DEARBORN AVE, WATERLOO, IA 50703-5231
Document Number	0202601307
Instrument Date	Jan 26, 2026
Instrument	2026-01307
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
Tax	$120.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 E SEERLEY BLVD, CEDAR FALLS, IA 50613-5203

Mortgage

Document Number	0202601308
Date	Jan 30, 2026
Instrument	2026-01308

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	123 W 4TH ST, CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 15, 2051

Interest

Change Frequency	Monthly

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,172.00 (+10.15%)	$57,450 (+17.08%) Land $6,300 Building $51,150	$57,450 (+17.08%) Land $6,300 Building $51,150
2024	$1,064.00 (+14.66%)
2023		$49,070 (+16.17%) Land $6,300 Building $42,770	$49,070 (+16.17%) Land $6,300 Building $42,770
2022	$928.00	$42,240 Land $6,300 Building $35,940
2021			$42,240 Land $6,300 Building $35,940

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1978–2013)
Claims Outside the SFHA	3 of 5
Most Recent Claim	May 2013 · 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.

Wildfire

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.

Drinking Water

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

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 571 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Nextlink, Waterloo Fiber.

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